States That Do Not Require Auto Insurance – Car insurance protects you financially by paying the other driver’s medical and car repair bills if you cause an accident. Depending on the type of coverage you have, it may also pay to repair or replace your car if it is damaged or stolen.
Texas has a Consumer Bill of Rights for auto insurance. Your insurance company will give you a copy of the bill of rights when you obtain or renew a policy.
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Texas law requires drivers to show proof that they can pay for the accidents they cause. Most drivers do this by purchasing auto liability insurance. Liability insurance pays to repair or replace the other driver’s car or other damaged property, and pays other people’s medical expenses when you are at fault in an accident.
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If you still owe money on your car, your lender will require you to have collision and comprehensive coverage.
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Most policies cover you, your family, and people who drive your car with your permission. Ask your agent or read your policy to find out who it covers and if anyone is excluded from coverage.
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Coverage varies by policy and depends on the types of coverage you choose. This table shows some of the things that most policies do and do not cover. Read your policy or talk to your agent to be sure of your exact coverages.
Damage to your car due to fire, hail, theft, flood, flying gravel, or hitting an animal (if you have comprehensive coverage)
Accidents that occur while driving for a ride-sharing service or delivering food or other items for a fee
Accidents that occur while driving a car that you do not own but that you may use regularly, such as a car owned by a company.
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Auto repair, lost wages, and medical and funeral bills to the other driver and passengers if you cause an accident
If you buy a new car, your current insurance will automatically cover it for about 20 days. The type of coverage depends on whether the car is additional or replacement.
Tell your company about a new car as soon as possible to avoid a gap in coverage.
Rental cars. Rental agencies offer damage waivers and liability policies. Damage waiver is not insurance. It is an agreement whereby the rental agency will not charge you for damages to the car you rent.
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You may not need the rental agency’s liability policy. Your own auto policy will usually cover you while driving a rental car for personal use. Ask your agent if your policy covers you if you drive the rental car to work.
Before renting a car, ask your agent if you need the rental agency’s liability policy and damage waiver.
Borrowed cars. If you cause an accident while driving a loaner car, the car owner’s insurance pays the claim. If your landlord doesn’t have insurance, or doesn’t have enough to pay for the damages and injuries you caused, his or her insurance will pay.
If you don’t own a car but borrow it frequently, you can purchase a non-owner liability policy that will pay for damages and injuries you cause to others while driving a loaner car. It does not pay for your injuries or damage to the car you drive.
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If you borrow a car from a repair shop, your liability insurance will cover damage to the car. It will also pay for other people’s injuries and damages if you are at fault in an accident. Check your liability limits to make sure they are enough to pay for damages.
Mexico does not recognize US automotive policies. Some companies offer support for short trips to Mexico, but the coverage may not meet Mexico’s legal requirements. If you are driving into Mexico, you must purchase a Mexican liability insurance policy. Some Texas agents sell them. Your agent could help you find an agent who will do this.
You must pay a deductible for collision, comprehensive, and uninsured/underinsured motorist claims. A deductible is the amount of a claim that you must pay yourself. For example, if you have a $1,500 collision claim and your policy has a $500 collision deductible, the insurance company will deduct $500 from your claim amount and pay you $1,000. You do not have to pay a deductible for claims against another driver’s insurance company.
Liability, personal injury protection, uninsured/underinsured motorist, towing, and labor and rental coverages have dollar limits. This is the most the company will pay, even if the cost is higher. If you don’t have enough coverage, you’ll have to pay the difference yourself. Collision and comprehensive coverages have no dollar limits.
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The first page of your policy is the declaration page. You have a summary of your policy, including your coverages, dollar limits, and deductibles.
You have two options to cover your young drivers. You can add them to your policy or you can purchase a separate policy for them. Adding them to your policy is usually cheaper.
Some companies require that you include everyone who lives with you and is of driving age on your policy. Inform your company when someone in your family starts driving or turns 16. If you don’t tell the company and they find out later, they will bill you for the additional premium you should have paid. The company may also deny any claims you have or choose not to renew your policy.
If a teen is the primary driver of a car, the company will base the premium on that car. Otherwise, the company will base the teen’s premium on the family car with the highest rate.
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Some companies require that you keep young drivers on your policy, even if they are in school. Inform your insurance company if you have a child who lives in another city for school. If your child has a car, the company may charge you differently because the rates are based on the car’s usual location. If your child doesn’t have a car, he or she may be able to get a discount on his or her premium. If your child is going to school in another state, check that state’s laws to make sure you have enough liability coverage.
Texas law requires insurance companies to charge rates that are fair, reasonable and appropriate for the risks they cover. We don’t approve rates up front, but if we find that an insurance company’s rates are too high, we can require it to pay refunds to people it overcharged. Insurance companies can appeal our decisions.
Insurance companies use a process called underwriting to decide whether to sell you a policy and how much to charge you. The amount you pay for insurance is called the premium.
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Most companies use the Comprehensive Loss Underwriting Exchange (CLUE) to find out their claims history. A company may charge you more or refuse to sell you a policy based on the information in your CLUE report. You can get a free copy of your report each year. Call LexisNexis at 866-312-8076.
Discounts help reduce your premium. Each company decides what discounts to offer and the amount of the discount. You may be able to get a discount if you have:
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If you request it, a company must tell you in writing why it denied, canceled or did not renew your policy. You can complain to us if you believe a company improperly denied, canceled or did not renew your policy.
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Cancellation means that you or the insurance company stop coverage before the end date of your policy. A company must give you 10 days’ notice before canceling your policy. A company can cancel your policy in the first 60 days for any reason, unless the cancellation violates a law.
If you or the company cancel your policy, the company must refund any unearned premium to you within 15 days of the date of cancellation. Unearned premium is the amount you paid up front that did not go toward coverage. For example, let’s say your premium is $100 a month and you paid six months in advance. If you cancel your policy after one month, the company will owe you $500 in unearned premiums.
Non-renewal means that a company refuses to renew your policy when it expires. A company must inform you in writing that it will not renew your policy. You must tell them at least 30 days before your policy expires.
A company may not renew its policy only after it has been in force for 12 months. This means that if you purchased a six-month policy, the company cannot refuse to renew it when the first six months are up. You must renew it to give you a full 12 months of coverage.
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A company cannot refuse to renew your policy because of your age. You also cannot not renew your policy.
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