What are the minimum car insurance requirements for Fort Worth Texas?

The only insurance that you are required by law to have is liability insurance. Liability insurance does not pay for damages or injuries that have been incurred by you, but damages that have been incurred by others, and for which you are liable for.

In Fort Worth or Texas in general, you have to have at least $25,000 in bodily injury coverage for one person in an accident, $50,000 in bodily injury liability for everyone in one accident, and $25,000 worth of property damage liability.

Is it all right to just get the minimum amount of liability insurance (25/50/25)? The short answer is no. Because liability expenses can pile up really fast, you’re better off paying more on your car insurance premium and not have to worry about being sued if you’re liability coverage comes up short.

Liability is not that only type of insurance that you should consider, as there are many other options that you may need. These options include comprehensive coverage, collision coverage, Guaranteed Auto Protection (GAP), uninsured/underinsured, and PIP.

GAP insurance pays the difference between how much your insurance company will give you and how much you still owe in financing dollars in the event that your car is stolen. Collision coverage pays for damages done to your automobile and comprehensive pays for damages to you car from random things such as fire and wildlife collisions. Uninsured/underinsured motorist covers you if someones liability coverage is not enough to pay you.

The official website for The Texas Department of Insurance has a sample survey, which should give you an idea of the rates your local Fort Worth car insurance providers will give you. The survey includes sample rates from each of the Fort Worth counties including Tarrent, Denton, and Parker. You’ll notice that the quotes can vary by hundreds of dollars. The Texas Department of Insurance, by making this survey, wants you to shop around for the best quote.

One way to save time on shopping around is by heading to an independent agent because he or she will be able to get quotes from as many as hundreds of car insurance companies.