Car Insurance is important
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.
The State of Texas limits are 25/50/25. Each State may differ. Texas requires liabilty covergae that will cover damage and medical expenses if you are found at fault
There minimum limit must include $25000 for bodily injury or death (1 person) and $50000 for 2 people. And it must also have $25000 for damage and destruction of property. All of these limits are per accident. There limits do not cover damages for yourself, it is up to you to add that coverage.
If you are found at fault the States minimum may not be enough. If the cost of damages are more than you have coverage for you are still responsible to pay. This is why many insurance companies recommend higher limits to eliminate this possibility for your protection.
You have the choose not to or to add comprehensive coverage to protect yourself in an at fault accident. If you have a lien holder that shares and interest in your vehicle, they may require you to carry comprehensive. So even though the State does not require it it is recommended.
How would you like to lose the privealege to driver? Do not follow your States requirement and your wish may be granted. Fines could be as much as $1000 depending on whether it is a 1st offense or 2nd or 3rd. You could have your car towed and that means even more money out of your pocket for fun.
The State of Texas has cracked down hard on uninsured motorist, making them pay a price just to keep their license. They have what is called a surcharge that a violator must pay for up to 3 years after the violation. The "surcharge" is very costly.
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. - 2368
The State of Texas limits are 25/50/25. Each State may differ. Texas requires liabilty covergae that will cover damage and medical expenses if you are found at fault
There minimum limit must include $25000 for bodily injury or death (1 person) and $50000 for 2 people. And it must also have $25000 for damage and destruction of property. All of these limits are per accident. There limits do not cover damages for yourself, it is up to you to add that coverage.
If you are found at fault the States minimum may not be enough. If the cost of damages are more than you have coverage for you are still responsible to pay. This is why many insurance companies recommend higher limits to eliminate this possibility for your protection.
You have the choose not to or to add comprehensive coverage to protect yourself in an at fault accident. If you have a lien holder that shares and interest in your vehicle, they may require you to carry comprehensive. So even though the State does not require it it is recommended.
How would you like to lose the privealege to driver? Do not follow your States requirement and your wish may be granted. Fines could be as much as $1000 depending on whether it is a 1st offense or 2nd or 3rd. You could have your car towed and that means even more money out of your pocket for fun.
The State of Texas has cracked down hard on uninsured motorist, making them pay a price just to keep their license. They have what is called a surcharge that a violator must pay for up to 3 years after the violation. The "surcharge" is very costly.
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. - 2368
About the Author:
Call your friendly Broker Jeffrey Cline for your Auto Insurance needs. He is a leader in the Family Health Insurance realm as well. Contact his office, day or night. He is here anytime to assist you in meeting your needs and budget. His toll free number is 866-526-9669
posted by Frank Potter at 12:28 AM
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