Every state, including Texas, has a law that requires every driver to purchase liability insurance on their vehicles. If you don’t have liability insurance, you can be fined and your license may be taken away from you. Below you’ll learn important information about Liability Insurance in Dallas.
Q.) What is liability insurance and why do I have to have it?
A.) Liability insurance covers the injuries and damages to the other party when you’re at fault in an automobile accident. If you don’t have liability insurance and you cause an auto accident, you’re responsible for paying for the other party’s medical bills and for the repair of their vehicle. Most people can’t afford to pay these high costs, so that’s why everyone has to have liability.
Q.) How much liability insurance do I need?
A.) Texas auto liability requirements are 30/65/25. These are the maximum amounts that your insurance provider will pay out to the other party involved in the accident. This means that every driver must have at least $30,000 of insurance to cover bodily injury or death to one person. Every driver must also carry $60,000 of insurance to cover bodily injury or death to two or more people and $25,000 worth of insurance to cover the damage of property.
Q.) When do I need to show proof that I have liability coverage on my vehicle?
A.) If you’re involved in an accident, you’ll have to show proof of insurance to the law officer. If an officer of the law stops you for a traffic violation, you’ll have to provide your insurance card. You also have to show proof of liability insurance before you can get a driver’s license or register your vehicle at the license office.
Q.) What will happen if I’m in an accident or I get stopped by the law and I don’t have Liability Insurance in Dallas?
A.) Your driver’s license my be taken away from you and then you won’t be able to legally drive. You can also expect to pay a hefty fine for driving without insurance.
There’s no credit check and you’ll have instant auto coverage.
