If you are visiting Texas, or have just moved here, you should be aware that many out-of-state insurance companies are not authorized to do business in Texas. Before you drive here you should ask your insurance company if you are covered in case of a collision. Should you become involved in a collision in Texas, all three of the following conditions must be met to avoid suspension of your driving privilege:
- Your liability policy must provide bodily injury and property damage coverage, which equals or exceeds the limits stated above.
- Your insurance company must file a power of attorney, allowing the Department of Public Safety to act as its agent for legal service in Texas.
- You must have insured the vehicle before you came to Texas.
Many lawsuits are settled for much more money than the minimum amounts set by the Safety Responsibility Act. You may have to pay the extra money if your insurance doesn’t pay it all.
If you have a collision and you cannot prove financial responsibility, your license may be suspended. If someone else is driving a car that you own, is involved in a collision, and is not identified, you, the owner of the motor vehicle involved in the collision, will have your license suspended. If you have questions about the type of coverage you have, please give us a call today at 281-998-2500!
