Motorists in the state of Texas must be aware that it is mandated by law that car owners have auto insurance policies. You cannot drive without insurance on your vehicle. It is standard for traffic police officers to ask to be shown proof of insurance when they ask you to pull over. If you are new to Texas or if you are visiting and bringing in your car, you must immediately arrange for an auto insurance coverage if you do not have one yet. The Texas Department of Insurance can assist you in locating insurance companies and their brokers and agents. The department also keeps a record of each insurance company you can have access to. The department?s toll-free hotline is 1-800-252-3439. Getting Insured The best way to reach a reliable and efficient insurance agent is through the database of the Texas Department of Insurance. The department can provide you information regarding the different accredited and licensed insurance carriers. You will know their financial standings and even their complaint histories. The insurance requirement does not end with auto insurance. Texas law also mandates that drivers present proof that they can shoulder the financial responsibility should an accident occur. To comply with this law, people acquire liability insurance policies that should cover hospitalization and medical treatments for victims in the case of an accident. The coverage must not be lower than $20,000 for bodily injury for each person; $40,000 bodily injury for each accident; and $15,000 to cover for property damage as a result of the crash or automobile accident. Always have a copy of the insurance proof or policy certificate in your car. Your insurance broker can help you settle the necessary requirements as well as connect you with lending facilities to pay the initial fees. It is much better if you have an experienced broker helping you out. |
