Cheapest Car Insurance for College Students in Texas

Whether you are a newcomer to Texas, or have lived here your whole live, the odds are good you are likely to need to ask some
questions about car insurance in Texas. Is it required--and if so, how much is required? When will you need to show evidence of
insurance? What happens if I get in an accident that is not my fault, however, the other driver has no insurance?

Certainly these are all important issues about auto insurance in Texas. Here at Texas Auto & Home Insurance, we are here to help
provide you with the answers to these and other Frequently Asked Questions.

Is Texas Auto Insurance absolutely required by law?

Yes, auto insurance in Texas is definitely required for all drivers. Texas law requires drivers to at least carry liability
insurance. Often called 20/40/15 coverage, this minimal policy covers around $20,000 per injured person, $40,000 for everyone hurt
in the crash, and $15,000 for property damage. Be aware that such a car insurance in Texas does not cover you, it only covers the
victims of these accidents you cause.

If the medical and/or property damage connected with an accident that you caused exceeds these numbers, you'll be responsible for
the extra costs. If you can't afford to pay, you will e sued. In most cases, one can prevent this situation by purchasing
additional protection beyond that required by law.

When will I need auto insurance in Texas?

Obviously you will need to show evidence of coverage when you're in an accident. The other driver might want to take off your
information and might opt to file a claim with your insurance company.

Other situations in Which You Might be required to show evidence of auto insurance in Texas include:

1. A law enforcement officer asks you for it.

If you are pulled over by a police officer for any reason, the first question he/she will ask is to demonstrate your license and
proof of insurance. If you do not have proof of auto insurance in Texas if a police officer asks, you will soon be issued a
ticket.

2. Register your own car or renew its registration.

1 way in which mandatory car insurance in Texas is enforced is by requiring drivers to show proof of insurance when registering
your car or renewing your registration. If you don't have it, your registration sticker will expire and you might be pulled over
and receive two tickets--one for expired registration, and another for not having proof of insurance.

3. Get or renew your driver's license.

Another way car insurance in Texas is enforced is by requiring motorists to show proof of insurance when you first acquire, or
renew your driver's license. Without having insurance, you cannot drive legally.

4. Get your car inspected.

Last, you cannot get your car inspected without showing proof of auto insurance in Texas. Like your registration decal, your
inspection sticker and date of expiration are definitely visible on your cars windshield. If it expires, you may be pulled over
and asked to demonstrate proof of auto insurance.

Clearly, there is just no way to get around having auto insurance in Texas, and State Law has assembled in several distinct ways
that its proof and money will be continuously checked.

Ultimately, however, this is a fantastic thing. What should happen if you were to get into an accident that was the other drivers
fault, and learned he/she didn't have insurance?

The only way you will have the ability to recover damages, if the person isn't prepared or ready to pay, is through a civil suit.
But by purchasing extra coverage through your insurance agent, you can make sure you are protected in such scenarios.

Cheapest Car Insurance for College Students in Texas

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