In Texas, all auto owners who have a vehicle registered must have insurance for the vehicle. Federal laws require these auto owners to purchase the insurance coverage based on each state’s individual mandates. In Texas, all drivers must have at least liability coverage and personal injury protection. The following is a review of factors related to Car Insurance in South Austin TX.
Reviewing the Penalties for No Insurance
Drivers who fail to follow local insurance laws will face penalties for this infraction. Currently, these drivers incur a fine of up $200. The total number of prior convictions that have incurred defines whether or not they accumulate jail time for this violation. They will also be required to purchase SR-22 certificates for up to three years. The state could also suspend their driver’s license and vehicle registration.
Why is Auto Insurance Required?
The state and federal government issued this mandate for auto insurance to lower the risk of litigation. Uninsured drivers create a significant risk and a higher probability of impending personal injury claims. For this reason, the mandate was created to penalize auto owners who don’t comply with this mandate to lower the rate of accidents that aren’t covered by insurance.
How can Insurance Help Auto-Owners?
The auto owners can acquire coverage that could provide them with funding for medical expenses and auto repair costs. Policies may also provide coverage for them as well as other parties that are involved in the accident. These policies could also provide them with roadside assistance, towing, and mechanical help. The policies can also provide them with financial assistance to replace their vehicle if it is a total loss. An insurance agent can provide these auto owners with information on varying coverage levels to acquire these benefits.
In Texas, all auto owners must follow insurance laws to avoid penalties associated with state and federal mandates. These laws require them to have at least liability coverage and personal injury protection. To fulfill these basic minimums, they can purchase the required insurance policies. Auto owners who need Car Insurance in South Austin TX contact Patrick Court at State Farm today.
