When you’re shopping for auto insurance to protect your car and your family, you want low cost car insurance rates backed by a financially stable insurer that’s going to be there to come through for you when you have a claim. That’s why the knowledgeable professionals at Reliable Insurance Managers work with only the top rated insurance companies, making sure our clients get the same access to excellent service, reliable insurance, and affordable premiums.
Our staff is dedicated to providing first-rate customer service to all of our clients, no matter what kind of policy or premium they have. We can’t wait to work with you to devise a car insurance policy that doesn’t just answer state requirements for insurance coverage, but has a legitimate value to your family and your financial well-being.
Regardless of your driving history, we at Reliable Insurance Managers believe you deserve great customer service, affordable car insurance rates, and coverage by an insurance company that is highly rated and there for you when you really need it, like when you file a claim. Call or stop by and let our insurance professionals start solving your car insurance dilemmas—today!
Texas Auto Insurance Laws
Texas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by buying automobile liability insurance. Liability insurance pays to repair or replace the other driver’s car and pays other people’s medical expenses when you are at fault in an accident.
If you buy insurance to meet the state’s financial responsibility law, you must purchase at least the minimum amount. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage.
Because of car prices and the high cost of medical care, the minimum amounts might not be enough to pay all of the other driver’s costs if you’re in an accident. Other drivers could sue you to collect the difference. Consider purchasing more than the basic limits to protect yourself financially.
Liability insurance does not pay to repair or replace your car or to treat your injuries. Consider purchasing other types of coverage – such as medical payments, collision, and comprehensive – to pay for these expenses.
(Source: tdi.texas.gov)