Bodily injury limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for bodily injury or death caused by an insured person in an auto accident. Property damage limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).

If you are a driver in Texas (or anywhere for that matter), you know how complicated and confusing it can be to file a car accident claim, switch car insurance companies or simply add a person on to your policy. To help make things easier when dealing with your auto insurance company, we have listed some helpful tips for Texas car insurance customers below. Understanding these items can not only save you a lot of time and money on your auto insurance, but it will also help you be better prepared in the event of a car accident.

Most Texans complain about the cost of their car insurance--hardly surprising, given that a typical car insurance policy in Texas costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can Texans lower their premiums and save money?

If you drive in Texas, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt. Or you're innocently parked in your driveway and a tree limb crashes through your windshield. When disaster strikes, auto insurance is there to protect you.

There are many reasons why, as a resident of Texas, you may choose to move your auto insurance coverage to another company. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you're unhappy with the service that your present company provides. Perhaps you've simply found another company willing to offer you the same level of coverage for considerably less money. Nowadays, you can get 24-hour rate information through the toll-free numbers or websites, so investigating your options has never been easier. Another valuable source of information is the Texas Department of Insurance.

Over the past decade, cell phones have evolved from luxury items to absolute necessities for most on-the-go Americans. Consumers now use cell phones not only for business and personal calls but also to text message, take pictures, and even listen to their favorite music. The omnipresent nature of cell phones is not, however, without a price as the National Traffic and Highway Safety Administration (NTHSA) estimates cell phone-related car accidents are on the rise with distracted drivers causing over 25% of all police-reported traffic accidents.

The speed trap. Mere mention of this law enforcement technique causes many a heart rate to increase and a lead foot to cringe. After all, we all know we`re not supposed to speed but do the police have to be so sneaky to catch speeders?

Children are undoubtedly the most precious cargo that any parent carries in their automobile. Nevertheless, improper usage of child restraint systems needlessly injures thousands of children on Texas`s roads each year. While some of these injuries are caused by clear violations of Texas`s car seat law, advocates for broader car seat laws claim that many of the injuries occur because Texas`s car seat law doesn`t go far enough.

CLEVELAND, OH - September 17, 2007 - Insurance.com, the largest online auto insurance agency in the United States, reports that car insurance rates continue to decrease depending on geographical location.

Auto insurance in Texas is mandatory. The Automobile Insurance Consumer Bill of Rights in Texas gives you clear guidelines as to your auto insurance requirements. This is given to you along with your insurance policy. If you are a driver in Texas, your auto insurance minimum coverage must be 20/40/15. This ensures $20,000 per injured person, up to a total of $40,000 for all those injured and $15,000 for property damage. This basic coverage may not be adequate if you are held liable for an accident. So it is safe to consider more than the basic limits. Texas auto insurance quote provides eight types of coverage: Liability, Medical payments, Personal Injury Protection (PIP), Uninsured/Underinsured Motorist (UM/UIM), Collision, Comprehensive, Towing and Labor as well as Rental reimbursement. Under Texas law, there are severe penalties for violating financial responsibility laws.