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Texas law regarding insurance

Driving without auto insurance is against the law. A law enforcement officer will require you to show proof that you have auto insurance during any traffic stop. Your insurance company will provide you with an "insurance card" that will qualify as proof of insurance. The card will explain the basic features of your auto policy, including the dates the coverage begins and ends. You should keep your insurance card with you at all times while driving or operating a motor vehicle.

Texas law requires drivers to be able to pay for the accidents they cause. Most people meet this requirement by buying automobile "liability" insurance. Liability insurance pays to treat people injured in an accident that you cause. It also pays to repair or replace the other driver´s damaged property.

You must have enough liability insurance to pay up to $25,000 in medical expenses for each person injured in an accident and up to a combined total of $50,000 for everyone who was hurt in an accident. You also must have at least $25,000 in coverage to pay to repair or replace the other driver´s car.