Maybe the question should be how can you afford not to have it? I’m sure there are many things you would rather spend money on than auto insurance premiums. You know, things like a new TV, vacations, food. But carrying insurance on your car is really a good idea. Being involved in even a minor collision can be financially devastating if you’re not insured. Statistics show that one in three drivers will be involved in some sort of accident, so this is one bet that is not really safe to take. Besides, in Texas, it’s not just a good idea, it’s the law.
State law requires that every driver in the state of Texas must maintain at least minimum liability coverage on their automobile. The state defines minimum liability coverage as insurance that will cover up to $25,000 in property damage and $30,000 for each injured person up to a total of $60,000 per accident in injury coverage. Of course, as this type of insurance does not cover your property damage or injuries, you may want to carry additional coverage as well.
If you are uncertain about how to properly buy automobile insurance, the state has prepared a document to assist you in the decision-making process. That document can be found at http://www.tdi.texas.gov/pubs/consumer/cb020.html.
If you have been denied insurance, help is available through the organization called the Texas Automobile Insurance Plan Association or TAIPA.