Texas drivers must carry two different types of liability insurance in order to legally drive in the state. These forms of insurance are property damage liability and bodily injury liability. With these two types of insurance in place, Texas drivers are properly protected against claims that are filed after they cause an automobile accident to occur. A number of different claims could be potentially covered with these insurance polices in place, including low wages, medical expenses, and damage to other people’s property.
In Texas, drivers are required to maintain liability auto insurance at a 20/40/15 ratio. This means that drivers in Texas are required to carry $20,000 worth of personal injury liability insurance per person injured. Texas drivers are also required to have a minimum of $40,000 in bodily injury insurance per accident in place. In addition, the state requires its drivers to have property damage insurance in place at a minimum of $15,000 per accident.
Bodily Injury Liability, or BI for short, is the type of liability insurance coverage that covers the expenses associated with the accidental injury or death of someone that is involved in an accident that the insured driver causes. This type of insurance coverage must pay out a minimum of $20,000 per person and $40,000 per accident. This coverage is in place to cover the expense of others involved in the accident. It may cover bodily injury expenses for the driver or drivers of the other vehicles involved in the accident. It will pay for any pedestrians and passengers involved in the accident as well.
Property Damage, or PD for short, is a form of liability insurance that is used to pay for expenses that are associated with property that has become damaged. This type of coverage may cover the cost of repairing or replacing other vehicles involved in the accident or any other property damaged as a result of the accident. This may include poles, walls, and more. Texas drivers are required to carry at least $15,000 in property damage insurance in order to legally drive and register their vehicles in the state.
In order to register their vehicle in Texas, drivers must demonstrate proof of insurance coverage. Texas drivers may utilize a number of different methods to demonstrate that they have enough insurance coverage. The easiest, and therefore most common, method for demonstrating insurance coverage is to simply carry the temporary insurance card that is issued by the insurance company. Nonetheless, there are other methods that Texas drivers can use to prove that they have the proper amount of insurance coverage.
One method that Texas drivers can use to prove that they have insurance coverage is to simply show their insurence policy. They may also show the receipt showing that they made their payment toward the premium. For those Texas drivers that have purchased a vehicle within the past 60 days, proof of coverage can be demonstrated for that vehicle by simply presenting proof that the vehicle that was replaced had insurance coverage in place.