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Car in the ParkTexas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability insurance pays to repair or replace the other driver’s car and pays other people’s medical expenses when you are at fault in an accident. 

If you buy insurance to meet the state’s financial responsibility law, you must purchase at least the minimum amount. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage.

Because of car prices and the high cost of medical care, the minimum amounts might not be enough to pay all of the other driver’s costs if you’re in an accident. Other drivers could sue you to collect the difference. Consider buying more than the basic limits to protect yourself financially.

Liability insurance does not pay to repair or replace your car or to treat your injuries. Consider buying other types of coverage – such as medical payments, collision, and comprehensive – to pay for these expenses.

Proof of Financial Responsibility  

When you buy an auto policy, your insurance company will send you a proof-of-insurance card. You must show your current card when you

  • are asked for it by a police officer
  • have an accident
  • register your car or renew its registration
  • get or renew your driver’s license
  • have your car inspected.

The penalties for violating the state’s financial responsibility laws are

  • First offense: fine of $175 to $350
  • More offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your automobile
  • Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both
  • Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both.

Know Your Rights

Texas has a Consumer Bill of Rights for auto insurance. Your insurance company must send you a copy with your policy. Read it to understand your rights under Texas law.

Austin

When it comes to meetings and conventions, Austin is a city that planners and visitors  always agree on. Our state-of-the-art infrastructure, innovative meeting spaces and  world-class hotels are nestled in the center, and the heart, of the city. Within a few walkable blocks you'll also find the famous Lady Bird Lake hike and bike trail, legendary live music venues and some of the best margaritas in the country.

If you're looking for a resource to help you plan, look no further than our expert staff. From high-tech conventions to exclusive retreats, they're always ready to help you create a memorable event that's just as authentic as Austin.

(Sources: TDI.gov and AustinTexas.org.)

Danback Insurance Agency


Since 1993, Danback Insurance Agency has specialized in meeting your needs for auto, home, commercial, boat and motorcycle coverage. We are family owned and operated. Owners Sheryl Danback and Warren Reisor provide that personal touch for clients. You will always see our faces when you come into our office. Our highly trained and experienced agents put a priority on giving you superior customer service and making your search for the best possible coverage easier and more affordable.
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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