Essential Guide to Driving Safely and Legally in Texas

Essential Tips for Driving in Texas

Key information you should know before hitting Texas roads

In Texas, drivers are legally required to carry auto insurance with specific liability coverage limits. This minimal coverage helps protect others in case of an accident, covering damages to people and property, though it doesn’t address fault or your own vehicle. To stay compliant, drivers must carry proof of insurance and registration while driving, as mandated by Texas law. Ensuring you meet these requirements is crucial to avoid penalties and safeguard yourself financially while navigating Texas streets.

Texas law mandates all drivers to adhere to specific liability insurance standards. This insurance, often called financial responsibility coverage, must meet minimum limits set by state law. Carrying proof of insurance and vehicle registration is essential for legal driving. Here are vital details about Texas liability insurance requirements:

What are Texas insurance standards?

Drivers must maintain a minimum liability limit as per Texas law when purchasing auto insurance.

The minimum coverage for bodily injury per person is $30,000, with a total of $60,000 per accident, and property damage coverage is $25,000.

This coverage is commonly written as 30/60/25.

What does Texas liability insurance cover?

Medical bills

Hospital expenses

Rehabilitation services

Lost income due to injuries

Pain and suffering

Property repair costs for others involved

Is the minimum coverage sufficient?

Given the high costs of healthcare and vehicle repairs, the minimum might not fully protect you in an accident.

Many drivers opt for higher coverage limits to avoid out-of-pocket expenses or legal action.

Having additional coverage is a prudent choice for comprehensive protection.

When is proof of insurance required?

You must provide proof when registering your vehicle.

During driver’s license issuance or renewal, proof could be requested.

Law enforcement officers may ask to see proof during traffic stops or accidents.

How to ensure compliance with Texas insurance laws?

Insurance providers submit weekly reports verifying active policies.

This report includes the Vehicle Identification Number (VIN) for each insured vehicle.

Who needs SR-22 or SR-22A certificates?

These certificates prove you have bought liability insurance, often required after certain violations.

Individuals convicted of DUIs, drug offenses, or driving with suspended licenses may need to obtain these certificates to restore driving privileges.

Consequences of not meeting insurance requirements

Non-compliance can lead to license suspension and hefty fines.

A surcharge of $250 annually may apply for up to three years if uninsured driving is identified.

Offenders may be required to file for an SR-22 to reinstate their license after violations.