Texas Car Insurance Requirements

In the state of Texas, there are specific car insurance requirements that are mandated by state law. The first of these requirements is that you must carry at least liability insurance in the amount of $25,000 for property damages and $25,000 per person/$50,000 per accident total for bodily injury to the other party. This type of insurance is designed to pay for an accident that is deemed to be your fault.

The second in the list of Texas driver insurance requirements states that you must have collision and comprehensive insurance to cover your vehicle and passengers if your car is under a bank lien, even if the accident is not your fault. This is more of a lender requirement, but it is still mandatory in the state of Texas. Any lapse in car insurance coverage can lead to a suspension of your license.

Texas Car Insurance Requirements: SR-22

Finally, drivers who have had accidents or trouble with the law before might need to carry an SR-22 form. This form guarantees the Texas Department of Safety (DPS) that you have insurance and requires your insurance company to immediately notify DPS in the case of changes or termination. An SR-22 might be required after an accident, conviction, or court judgment for two years in the state of Texas.

If you don't have car insurance and are involved in an accident, you can face serious penalties. For incidents where the damage totals more than $1,000 (and most car accidents do), you can face immediate license suspension. Don't risk it. Drive smart and meet state requirements with car insurance from www.SpartanInsurance.com. Check out our online quote system today to find out how much you can save with our local plans.