Driving Without Auto Insurance Texas
Reader’s Question:
I live in Texas. Can I drive legally without auto insurance?
Gilbert
Austin, TX
The answer is no. You can not legally drive around Texas without insurance. Almost every state requires you to have auto liability insurance and in the state of Texas it is mandatory for all motorists or drivers to have bodily injury coverage. All states, and therefore Texas, have financial responsibility laws. This law requires every driver to be able to pay for any vehicular accident they cause. This is what compels drivers to have automobile liability insurance. And even if you do not wish to carry this insurance coverage, you have to assure the state that if an accident happens, you will be able to personally cover damages to other people or property. You need to have sufficient assets to cover claims if you ever cause an accident. If you are not able to comply with this, if you don’t have enough assets, you must have, at least, the minimum amount of insurance coverage required by Texas. The minimum coverage amount required by Texas’ financial responsibility law is up to $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage. And this is as of April 1, 2008. The auto insurance industry, however, has a different recommendation. Their proposal is to have a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents usually cost more than the minimum limits required by states.
Tags: auto insurance, car insurance, driving without insurance