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.

Texas auto insurance pays for damages, injuries and other losses as may be specified in the policy. Depending on the type of coverage, the insurance may pay for the customer's damage, another driver's damage or for a passenger's damage. If you want to drive in Texas, you are required to show that you are capable of paying for the accidents that you cause. This can be done by purchasing auto liability insurance. In case you are proven liable for an accident then you should consider buying more than basic limit coverage. The proof-of-insurance card for an auto insurance in Texas obtained, is required in the following circumstances:

• When requested by a law enforcement officer.
• Incase you have an accident.
• In the event you register your car, or renew the registration.
• When you obtain or renew your driver's license.
• When you get your car inspected.

Texas Auto Insurance

Insurance rules in Texas are being considered so as to make insurance coverage more affordable. The Texas Department of Insurance (TDI) proposes rules to provide discounts relative to the cost of administering consumer choice plans, such as in the case of medical insurance. The Texas Department of Insurance assists and educates consumers and resolves insurance-related complaints. Licensing of insurance agents and insurance companies is also regulated by the Department of insurance. It also oversees the enforcement of insurance laws and combats frauds.

The Texas insurance department comprises the commissioner, other officers and employees. They are responsible for implementing all insurance laws of the state as well as other laws granting jurisdiction or applicable to the department of commissioner. Before you purchase any auto insurance in Texas, refer to the rules and regulations specified by the department of insurance. Familiarizing yourself with the insurance terms and conditions will help to select the right policies to suit your requirements. According to Texas insurance, every insurer operating in the state is required to pay the department of insurance the following amounts:

• A non-refundable license fee.
• A non-refundable appointment fee for appointment of agent by the insurer.

The Texas office of Public Insurance Counsel (OPIC) acts as an advocate for insurance consumers. OPIC governs and protects the interest of insurance consumers in matters regarding rates, rules, policies relating to personal lines of insurance like auto, homeowners, title, and credit insurance, and in rulemaking for life, accident and health insurance. OPIC's statutory authority can be found in the Texas Insurance Code, Articles 1.35A and 1.35B and section 38.002.