Auto liability insurance in Texas - buying a car

Auto Liability Insurance Information – Texas

Texas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by buying auto liability insurance.

Auto Liability insurance pays toward repair or replacement the other driver’s car. It also pays toward other people’s medical expenses when you are at fault in an accident. It doesn’t pay to repair or replace your car or for your injuries. Consider adding additional coverage options for involving damage to your vehicle or your injuries.  Other available coverage options include personal injury protection, uninsured motorist, and coverage for damage to your vehicle (collision, and comprehensive).

When you buy insurance to comply with the Texas Financial Responsibility Law, you must buy limits of liability of at least $30,000 per person up to $60,000 per accident for bodily injury, and $25,000 for property damage. These are the minimum limits. You may wish to buy higher limits to protect you from a potential claim which may exceed these limits.

There are severe penalties for breaking the Texas Financial Responsibility Law which can include fines, surcharges, possible suspension of your license, and impounding of your vehicle.

After you buy auto liability insurance, you will receive a proof of insurance card to prove you have insurance. You will need this card to prove that you have insurance when asked for it by a law enforcement officer, have an accident, register your car or renew its registration, and/or get your vehicle inspected.

For more information on auto liability insurance and other auto insurance coverages, follow this link to the Texas Department of Insurance website:  Auto insurance guide (

If you would like to discuss auto insurance liability or obtain a quote for insurance coverage for your car, truck or SUV, call us at (817) 923-2001.  Our licensed staff is available to review your current coverage, discuss coverage options and pricing.  Our agents can also discuss the many discounts our insurance companies offer.  We strive to find you the lowest price for the coverage you need. Call us for a no cost, no obligation quote.  It takes just a few minutes and may save money.

Hemphill Insurance Agency in Fort Worth, Texas represents multiple insurance companies offering quality affordable auto liability insurance in Texas. We have affordable monthly premiums, and many discounts available. Call us at (817) 923-2001 for a free, fast, no obligation auto insurance quote. You can also visit us online at

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