It is not worth the cost you can incure to go with out your States minimum auto insurance limits. They set these limits for your protection as well as for other. Not having insurance does not excuse you from liablity. The State of Texas and many others have stiff laws regarding this matter.
Every State sets limitations on what type of coverage is a minimum. But it must pay for damage to property and medical. Texas law states a driver must carry at least 25/50/25 in liability coverage.
The Texas 25/50/25 means that you must have liability insurance that will cover $25000 bodily injury or death for 1 person and $50000 for 2 people. it must also pay up to $25000 for damage to property. This minimum does not protect you or your property that would be an additional coverage called Comprehensive.
If damages exceed the limits you would still be responsible for the additional expense. Many insurance companies recommend more coverage for this reason. The States minimum is just that a minimum and often not enough.
If you are the sole owner of your automobile you are not required too have Comprehensive coverage, although it is highly recommended for your own protection. If you have a lien holder they most likely require you to carry Comprehensive to protect them.
In the State of Texas penalties for not having insurance are hefty. In some counties you could have your vehicle towed, costing you even more. Fines can be as high as $350. You can expect those fines to double or triple for multiple offenses. Strike 3 could mean a license suspension.
The State of Texas also has a "surcharge" that you must pay for a period up to 3 years to the Department of Motor Vehicles to maintain your license. It is not a cheap price tag either. They find it very necessary to have at least the bare minimum so they take this matter serious.
People seem to think they just can not afford auto insurance. looking at the facts you must ask yourself, can I afford not to be insured? Fines, surcharges and higher insurance rates. I don't think so. - 15275
Every State sets limitations on what type of coverage is a minimum. But it must pay for damage to property and medical. Texas law states a driver must carry at least 25/50/25 in liability coverage.
The Texas 25/50/25 means that you must have liability insurance that will cover $25000 bodily injury or death for 1 person and $50000 for 2 people. it must also pay up to $25000 for damage to property. This minimum does not protect you or your property that would be an additional coverage called Comprehensive.
If damages exceed the limits you would still be responsible for the additional expense. Many insurance companies recommend more coverage for this reason. The States minimum is just that a minimum and often not enough.
If you are the sole owner of your automobile you are not required too have Comprehensive coverage, although it is highly recommended for your own protection. If you have a lien holder they most likely require you to carry Comprehensive to protect them.
In the State of Texas penalties for not having insurance are hefty. In some counties you could have your vehicle towed, costing you even more. Fines can be as high as $350. You can expect those fines to double or triple for multiple offenses. Strike 3 could mean a license suspension.
The State of Texas also has a "surcharge" that you must pay for a period up to 3 years to the Department of Motor Vehicles to maintain your license. It is not a cheap price tag either. They find it very necessary to have at least the bare minimum so they take this matter serious.
People seem to think they just can not afford auto insurance. looking at the facts you must ask yourself, can I afford not to be insured? Fines, surcharges and higher insurance rates. I don't think so. - 15275
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Call your devoted Agent Jeff Cline for your Auto Insurance needs. Mr. Cline is a leader in tMr. Cline Family Mr. Clinealth Insurance realm as well. Call his office, anytime. Mr. Cline is Mr. Clinere 365 days a year to assist you in meeting your needs and budget. His toll free number is 866-526-9669
