car insurances texas

The Importance of Having Car Insurance in Texas

Finding yourself in a car wreck can be a terrifying and expensive process to deal with. Each year, countless Texans find themselves involved in collisions with other drivers, but fortunately, auto insurance helps alleviate any issues regarding repairs and/or temporary rentals when a vehicle is in a shop. Shepard Walton King wants for you to know the importance of having car insurance and what can happen if you lack it. Read on to learn more.

Contact us directly or stop by our McAllen office today so we can help in your search for auto insurance.

State Requirements

The State of Texas requires that drivers pay for any accidents they cause. Most drivers meet this law by purchasing liability insurance. Liability coverage is capped at $30,000 for each person injured, $60,000 per accident and $25,000 for property damage per accident. This is commonly referred to as “30/60/25 coverage”. Due to rising medical costs, liability insurance may not always be enough to pay for medical care after a car accident, so looking at other options is always smart when shopping for insurance.

According to the Insurance Research Council, Texas has the third highest number of uninsured drivers in the nation. This number is estimated to be over one million. Overall, the U.S. has about 14% uninsured drivers. The good news is that this latest figure has fallen from 2009, when it was estimated that there were 29 million uninsured drivers.

The Law

According to the Texas Department of Transportation, lacking liability insurance can cost a driver up to $350 if cited by law enforcement. Other fines can also be enforced. Mandatory insurance can offset any costs accrued from an accident. So, medical bills that could cost thousands of dollars along with vehicle damages can be covered. Remember that driving is a privilege, not a right, so be cautious at all times. There are factors beyond our control when on the road, such as poor weather and road construction areas, so always be careful. Another factor is aggressive driving, which we’ll discuss below.

What is Aggressive Driving?

According to the National Highway Traffic Safety Administration (NHTSA), aggressive driving involves an individual committing a combination of traffic offenses with the aim to endanger other persons or property. The following actions are closely associated with aggressive driving:

  • Tailgating with the intent to intimidate
  • Improper or erratic lane changes
  • Illegal driving on road shoulders, ditches or sidewalks/medians
  • Unlawful passing
  • Failing to obey traffic laws, signs or traffic officers
  • Speeding or racing
  • Making improper turns

What if you were to have an accident with an aggressive driver like this and one of you lacked coverage? In a study by the NHTSA, in 2014, fatal crashes involved many types of aggressive driving. Of the 45,000 that were killed that year, over 18% were speeding and another 3% were operating their vehicles recklessly. If you happen to find yourself the victim of a careless driver’s behavior, car insurance can help in repairs or a replacement.

Get Covered

The bottom line is to make sure your vehicle is covered. Our insurance agency in McAllen can help you find the policy you need for peace of mind when on the road. Get in touch with our insurance brokers today to get the process started.

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