Texas Online Vehicle Insurance Compliance
The Lone Star state is one of the strictest states when it comes to making sure that residents are able to pay for any injuries and/or damages which may be caused by a motorist with their automobile; this is common practice among the majority of states and is also known as the Financial Responsibility Law.
These laws were set into motion to make sure that if a vehicle operator causes injury or property damage that the other party will have some type of compensation readily available to help pay for any expenses arising from the occurrence.
The Texas Department of Insurance estimates that at any given time there are about 4 million Texans operating an automobile without proper coverage in place and this has not been taken too lightly. A system by the name of TexasSure, the “financial responsibility verification program” was developed to ensure that motorists carry a Texas car insurance policy at all times while behind the wheel by allowing certain agencies to electronically verify if a Texan is insured or not.
If a law enforcement officer conducts a routine traffic stop they will have the ability to check the coverage status immediately and if it is found that a vehicle is uninsured, stiff penalties may follow.
Be Sure and Comply with Texas car insurance Laws
As of spring of 2010, a vehicle’s owner who is uninsured will be notified by the TexasSure program and will be given instructions on how to get into compliance. At this point in time, anybody occupying the roadways must carry liability coverage in the amount of $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $15,000 for property damage; this is often abbreviated as 25/50/15. One should be aware that in 2011 on January 1, the minimum limits are expected to increase and Texans should be prepared to update their policies accordingly.
The price of automobile policies can become a bit expensive, especially for those who are in need of more extensive protection such as comprehensive and collision and those who may want to purchase Uninsured Motorist coverage to protect against the estimated 4 million who operate illegally, but the truth of the matter is having coverage is the law.
Individuals who choose to drive unlawfully risk the chance of getting caught which could cost much more than being insured in the first place with a lot less hassle. There are affordable policies out there, one just needs to seek them out; the website of the Texas Department of Insurance provides very helpful shopping tips and even a scenario based price comparison that can let residents know what price range they can expect to pay.