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

This article is about auto  liability insurance.  Liability insurance pays to repair or replace the other driver’s car and pays 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 buying other types of coverage – such as personal injury protection or medical payments, collision, and comprehensive (other than collision) – to pay your expenses.

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 penalites 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
Auto Insurance Made Easy at the Texas Department of Insurance website.

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 low down payments.  Call us at (817) 923-2001 for a free, fast, no obligation auto insurance quote.  You can also visit our website at

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Royal Lane Enterprises, Inc. dba Hemphill Insurance Agency
Texas Department of Insurance Agent License #7191