Several Benefits of Cheap Full Coverage Auto Insurance Texas
Texas is one of the largest states of the southern USA and its cities are inhabited by huge number of population. Plenty of cars frequently ply through the roads of these cities and suburbs, causing some road accidents at times. So it is advisable for the car owners and drivers to buy valid auto insurance from their local insurance companies. Though car insurance premiums may seem to be a financial burden for the common drivers, the cheap full coverage auto insurance Texas can be a huge advantage for them, mainly on instances of unfortunate accidents.
Financial facilities available from the cheap auto insurance coverage
The minimum limit for the cheap full coverage auto insurance Texas is $30,000 for the serious injury or death of one person, in the car accident that is occurred by the insured car. In case, two or multiple people are injured or passed away due to this accident, a sum of $60,000 is given by the insurer, as compensation to their family members.
An amount of $25,000 is given in case of the property destruction of other people, who are involved in the car accident, due to the insured vehicle.
The documentary proof of the auto insurance should always be carried by the driver, as he may need to produce it at the accident spot, if asked by the law enforcement officer present there. This same document is also needed for the registration of the car and also for obtaining the driver’s license.
Every insurance company issues SR-22 or SR-22A, which is the certificate of Financial Responsibility of the driver, buying any kind of auto insurance policy. The insurer needs to submit this certificate to Texas Department of Public Safety, for proving that their customer has really purchased a proper liability insurance.
The customer care of the insurance companies are ready for 24 x 7 hours, to provide free quotes and answer to all the policy related queries of their potential customers, so that they can avail the cheapest auto insurance in the state.
Reasons for the necessity of auto insurance in Texas
As the auto insurance is considered as the Financial Responsibility and thus mandatory for each driver, as per the law of Texas; the local auto insurance companies need to submit weekly reports of all the insured vehicles, with their Vehicle Identification Number (VIN) that is mentioned in their insurance policy documents, to the Texas Sure Vehicle Identification System.
According to the driving rules of Texas, the driver’s license can be suspended, if he fails to produce proper auto insurance documents. Moreover, that driver even compelled to pay a hefty fine, along with a flat surcharge of $250 every year, which should be paid for 3 years at a row.
If any driver is convicted for driving in an intoxicated or drugged state, driving in spite of being suspended or charged with another ticket for not having liability insurance; he will have to produce a SR-22 or SR-22A certification, to get back their driving license.
When the term of the auto insurance is going to end, the insurance company should provide a prior notice to Texas Department of Public Safety, at least 6 days before the termination of that insurance policy.
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