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Drivers who want to stay legal on Dallas roadways today should take time to learn more about local auto insurance requirements. All Dallas drivers are required by Texas state law to maintain a minimum level of auto insurance coverage. More than that, they are required to carry proof of insurance coverage with them at all times. Learning more about minimum insurance requirements today can help you maintain your status as a legal driver on Dallas roads.
Minimum Insurance RequirementsAll drivers in Dallas as well as across the state of Texas are required by law to maintain an insurance policy that provides 30/60/25 liability coverage. This is coverage that is used to pay for expenses to another driver involved in an accident, and not to repair your own car. These coverages are used to pay for vehicle repairs, medical expenses, and property damage that you caused iothers to incur n an accident. Many drivers opt to buy additional coverage that covers their own vehicle repairs and medical costs after an accident, but this coverage is not required by law.
When You Might Be Asked for Proof of InsuranceYou may think that if you are a safe driver and don't get in an accident, you don't need to purchase auto insurance. The fact is that drivers in Dallas are asked to show proof of insurance on many different occasions. They will be required to show adequate coverage when registering and renewing registration on their vehicle annually, when getting their annual car inspection, and when they are pulled over for speeding or other traffic violations. Proof of insurance will also be required if you do get in an accident. There are many consequences a driver in Dallas could face by not presenting proof of insurance that meets state requirements. This includes a monetary fine, jail time, or the suspension of a driver's license. Consequences become more severe with multiple infractions as well as if you have an accident while uninsured.
The fact is that because state law requires Dallas drivers to maintain a minimum level of auto insurance, this is a required cost of driving. You can shop around for low auto insurance rates online to find a great deal on your coverage.
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