There will be repercussions for driving without insurance in Dallas TX. If you are involved in a traffic accident in Texas you are responsible for the at fault bodily injury and property damage. The minimum mandatory requirement for car insurance liability is $30,000 for bodily injury per person. You must carry at least $60,000 for bodily injury per accident. The mandatory limit for property damage is $25,000. It is illegal to drive a car without meeting the state insurance minimums for liability insurance.
The coverage that you need for insurance in Dallas Tx will vary depending on your individual situation. You must have your individual needs evaluated in order to decide how much coverage you need. It is certain that the costs that can incur from a car accident can greatly exceed the state minimum liability requirements. When there are injuries that result from an accident the costs can stack up quickly. Because of this, insurance professionals recommend purchasing a policy with liability limits which are higher than the state minimums.
Most people should purchase collision and comprehensive insurance in Dallas TX as well. Liability insurance does not cover damage to your vehicle. Collision and comprehensive insurance covers the damage to your vehicle minus the deductible. If your vehicle is financed, the lender will probably require that you purchase collision and comprehensive insurance. This is in your best interest as well, as you do not want to get stuck owing money to a lender on a vehicle that has been totaled. If your car is paid off, you may want to look at the premium price versus the value of the vehicle to determine if this coverage is the best idea for you.
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