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Texas State Law, all drivers of motor vehicles to car insurance in the form of personal injury and property damage coverage. In addition, if the vehicle is mortgaged to the lender requires that the insured also carry collision and comprehensive insurance.

In Texas, the minimum coverage of liability insurance for injuries required:

• $ 20,000 per person injured in an accident

• $ 40,000 per person injured in aAccident

The required minimum coverage for property damage is $ 15,000 for damage or destruction of property of others in an accident.

Insurance is optional:

Insured / underinsured motorist (UM / UIM) Coverage: Injuries UM / UIM lost wages, medical expenses, pain and suffering, disfigurement and permanent or partial disability. There is no deductible. Damage UM / UIM pays for programs that the vehicle is damaged in an accidentRepair and rental cars, but there is a $ 250 deductible. UIM insured for UM / should be offered by insurance companies. If the insured does not buy this system, he / she must make request in writing of its rejection.

Collision Coverage: Pays for repair or replacement of the vehicle regardless of fault, however, is paying the market value of the vehicle, less the deduction limit.

Normal insurance pays for damage caused to the vehicle by other eventsIn addition to collisions, ie, vandalism, storm damage and theft.

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