Texas has a number of regulations in place to aid the consumer. These regulations are laid out in the Texas Insurance Bill of Rights. Some of these regulations that help the consumer are: Regulation of discounts for a number of reasons, including multiple automobiles, driver’s education or defensive driving courses taken, and safety devices such as airbags or alarms in the car The right to be treated fairly when making a claim, and the right to have prompt payment of claims once they have been reported The right to choose your own repair shop The right to a written explanation of denial of coverage or increase in rate

Texas requires both bodily injury and property damage coverage. A minimum of $20,000 per person and $40,000 per accident for bodily injury coverage and $15,000 per accident for property damage. Texas also requires you to buy personal injury protection and uninsured motorist protection unless you reject these coverages in writing.

Texans are required to buy bodily injury coverage. Bodily injury coverage is a form of liability insurance that will pay for the medical expenses, pain and suffering, and lost wages that you cause and are legally responsible for in an automobile accident. Texas’ minimum limits are $20,000 per person and $40,000 per accident.

Texans are also required to buy property damage coverage as a part of their insurance. Property damage definition, but is not limited to, damage to buildings or other vehicles or their contents, and damage to road signs and other stationary objects. The minimum limits in Texas are $15,000 per accident.

Personal Injury Protection and Uninsured Motorist Protection are required on your policy by the state of Texas unless you reject these in writing.

If two or more insurance companies have denied you coverage, you are eligible to apply for insurance through TAIPA (Texas Auto Insurance Plan Association). This will allow you to get coverage for the minimum amount required by law. Because of the risk factors, this coverage is often expensive, but if you maintain a clean record for three years, your assigned TAIPA insurance company must offer you a lower rate. For more information on TAIPA and the Insurance Bill of Rights, visit the Texas Department of Insurance Web site at www.tdi.state.tx.us.

The law in Texas is very specific concerning drivers carrying auto insurance in Texas: it is simply a mandatory law. Knowing that it is a law, there are still facts Texas citizens should know about Texas auto insurance.

There are four main considerations you need to take into account when picking your auto insurance or car insurance company in Texas. All are important: Price, Longevity of Insurance Company, Service, and Comfort Level. At Texas Insurance Zone we strive to help auto insurance quote and car insurance quote shoppers make better decisions involving these four principles.

Texas auto insurance is a state need for all vehicle owners in Texas. There is certain minimum coverage available in Texas auto insurance and you can choose optional additional coverage to suit your needs like loss of income, medical expenses, etc. All additional coverage is then available to every accident irrespective of whose fault caused accident.