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| Not having auto insurance can cost you! |
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| Written by Jeff Cline |
| Monday, 09 February 2009 10:17 |
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It is not worth the cost you can incure to go with out your States minimum auto insurance limits. They set these limits for your protection as well as for other. Not having insurance does not excuse you from liablity. The State of Texas and many others have stiff laws regarding this matter. Every State sets limitations on what type of coverage is a minimum. But it must pay for damage to property and medical. Texas law states a driver must carry at least 25/50/25 in liability coverage. There minimum limit must include $25000 for bodily injury or death (1 person) and $50000 for 2 people. And it must also have $25000 for damage and destruction of property. All of these limits are per accident. There limits do not cover damages for yourself, it is up to you to add that coverage. If damages exceed the limits you would still be responsible for the additional expense. Many insurance companies recommend more coverage for this reason. The States minimum is just that a minimum and often not enough. If you are the sole owner of your automobile you are not required too have Comprehensive coverage, although it is highly recommended for your own protection. If you have a lien holder they most likely require you to carry Comprehensive to protect them. How would you like to lose the privealege to driver? Do not follow your States requirement and your wish may be granted. Fines could be as much as $1000 depending on whether it is a 1st offense or 2nd or 3rd. You could have your car towed and that means even more money out of your pocket for fun. The State of Texas has cracked down hard on uninsured motorist, making them pay a price just to keep their license. They have what is called a surcharge that a violator must pay for up to 3 years after the violation. The "surcharge" is very costly. It is important to maintain auto insurance. For many reason. The ones listed, plus they fact that violations increase your insurance premiums, just making it more expensive to maintain coverage. It is such a waste of your hard earned money. About the Author: Call your devoted Agent Jeffrey Cline for your Auto Insurance needs. Mr. Cline is a leader in tMr. Cline Family Mr. Clinealth Insurance industry as well. Call his office, day or night. Mr. Cline is Mr. Clinere 365 days a year to assist you in meeting your needs and budget. His toll free number is 866-526-9669 Kindly provided by LJ-Marketing.dk You are welcome to use this article on your own website, if you include the link just before this text. |
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