Texas High Risk Auto Insurance
Texas has several different companies that offer high risk auto insurance. These include Progressive, Direct, Esurance, The Hartford, State Farm and Arrowhead.
In an effort to protect drivers, Texas has mandated certain minimum liability coverage to pay the medical and property damage expenses of those injured by others in an auto accident. This minimum coverage is defined as Bodily Injury Liability of at least $25,000 per individual to $50,000 per accident and property damage of at least $25,000.
The state of Texas utilizes a tort system for dealing with accidents. This means that one driver will found at fault. This driver and his/her insurance will be held financially responsible for all losses experienced by other drivers in an accident, both medical and property.
Unlike most states, Texas no longer requires drivers to carry proof of insurance in the vehicle at all times. The state has set up a database that links vehicle license plates, VIN numbers and insurance policy information to verify that a person has the minimum required insurance. Law enforcement officers can access this database from the computers in their cars to verify if a vehicle is insured. Of course, out of state drivers will not be in the database, so should carry their proof of insurance cards when traveling in Texas.
Driving without insurance in the state of Texas does carry stiff penalties. The fine for a first offense can run as high as $350 plus court costs and any fees assessed by the judge. If caught without insurance again, fines can go as high as $1000 and a driver's license suspension of up to two years may be imposed. If you are caught in that category, you can expect to need high risk auto insurance.