Auto Insurance Austin: Minimum Liability Protection in TX by Cheri Roman

Hello there. I am Cheri Roman from Roman Agency, Inc. in Austin texas. Welcome to another segment of "Insurance, Death, and Taxes." Today I'll talk about the minimum liability coverages in the state of Texas. Now, as you will remember from my 1st blog, I explained the definition of liability.

Liability; you realize, lots of people do not even know what that means. Are you aware what that implies? Liability really implies that should you hit an auto and it's your wrong doing, and somebody's hurt or their house is destroyed, that's the amount that the insurance coverage will cover your car accident.

Today in the state of Tx, you are required by law to carry 30, 60, 25 in liability coverages. I know you probably don't know what that implies. I'm going to describe it for you what that means. Iif you hit someone and they get harmed, those first two amounts relate to bodily injuries.

Should you strike an auto and they get harmed, your insurance carrier are going to pay up to $30,000 per person that's harmed in an incident up to a total of $60,000 and that's what the 60 represents per accident. In the event you damage a person's car and you've got minimum liability insurance coverage the most your insurance carrier are going to pay can be $25,000 for that person's auto.

Now, what that signifies for you if you have a car that's nicer, that costs a lot more than $25,000 you may want to ensure that you have uninsured and underinsured motorists coverage since the most you'll get if somebody hits you that has minimum insurance coverage is actually $25,000.

Also, you should think about that there's 25% of the people in Tx that don't carry insurance policy. There's some really extreme fees and penalties for individuals that drive with out insurance policies in the state of Texas. Clearly, you will get ticketed, you could have your licence revoked, and there's even talk today in the Texas legislature about impounding people's autos.

So do not take that chance. At least hold the minimum limits and check out your coverage and make sure you have the suitable protections for your own personel circumstance.
Until the next time, please drive safely and especially stay off your mobile phone. Don't text and drive. I'm Cheri Roman from Roman Agency, Inc. in Austin, tx.