The General Near Me Car Insurance – Texas is a tort state, not an accident state, and all drivers should have liability insurance. When a car accident occurs, the person who is considered at fault is responsible for paying the medical expenses of the injured persons as well as the cost of the damaged property, such as repairing the car.
The statute of limitations in Texas for filing a personal injury lawsuit after a car accident is two years from the date of the incident. If an injured person dies as a result of injuries sustained in a car accident, the family can file a wrongful death lawsuit within two years of the date of death.
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There are currently no limits on damages or compensation in Texas car accident cases. Along with economic damages for medical bills, lost wages, property damage, and lost ability if the injury is severe, the state of Texas allows for non-economic damages, including pain and suffering. suffering, anxiety and stress, and general discomfort.
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If the driver is particularly negligent or negligent, a jury may award punitive damages, i.e. punitive damages. Punitive damages are limited in Texas to $200,000 or twice the sum of economic and non-economic damages, up to $750,000.
According to Texas law, drivers are required to carry at least $30,000 in bodily injury insurance (BIL) per person and $60,000 per accident, and at least $25,000 in property damage liability (PDL) US dollars. BIL covers costs related to injury or death to another driver, cyclist or pedestrian if the driver is at fault, while PDL covers costs of property damage caused by the driver. PDL does not cover damage to a personal vehicle. Be aware that these small amounts will quickly accelerate when a serious accident occurs, putting the responsible driver’s personal property at risk.
While it is wise to have such coverage for your personal protection, Texas does not require the purchase of personal injury protection (PIP) or uninsured or underinsured coverage. With approximately 20 percent of drivers in the Lone Star State uninsured or underinsured, purchasing this type of insurance makes sense. Like most states, Texas does not require collision or comprehensive coverage, but if the car is leased or financed, the lender will insist on that coverage.
Texas law requires insurers to provide PIP to consumers. If the customer refuses to buy PIP, they must give written notice.
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An SR-22 insurance, also known as a certificate of financial responsibility insurance, is required in Texas for anyone who has had their driving privileges suspended or revoked due to a motor vehicle accident or DWI conviction or other court order. These individuals must file an SR-22 form with the Texas Department of Public Safety (DPS), maintaining coverage for two years from the date of conviction or sentence. Individuals must also file an SR-22 if they are making a security deposit with DPS pursuant to an accident or default delay. The minimum insurance requirement for the SR-22 is the same as the standard minimum requirements.
As the largest state in the Lower 48, Texas is a world of contrasts. It is home to major cities such as Houston, Dallas, Fort Worth, and Austin, as well as Texas-wide open spaces, long drives, and trails. There is no public transport, if one wants to get from point A to point B (usually a long distance) the only option is to drive.
Texas is one of the fastest growing states, with five of the fastest growing cities in the country: Houston, San Antonio-New Braunfels, Dallas, Fort Worth, Odessa and Austin.
Texas holds a record you probably don’t want to hold, and that’s the state with the most traffic accidents in the country. In 2017, the fatality rate on state highways was 1.36 deaths per 100 million miles driven. More than half – 52.4 percent – of road accidents with fatal consequences occur in rural areas of the state. According to the data, a person dies every 2 hours 21 seconds, a person is injured every 2 minutes 4 seconds, and a traffic accident occurs every 59 seconds. According to the Texas Department of Commerce, vehicle accidents- a single in which vehicles left the road resulted in 1,313 deaths in 2017, accounting for 35.29 percent of all traffic deaths in 2017. Twenty-eight percent of deaths involved a driver under the influence of alcohol or drugs at the time of the accident.
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One reason for the high number of accidents is the sheer amount of time Texans spend on the road. During 2017, annual vehicle miles traveled in Texas reached 274.580 billion, up 1.22% from 2016 when it traveled 271.263 billion.
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Car insurance is a contract where you pay an insurance company premium and the insurance company covers the cost of a specific loss for a period of time. Most states require you to have car insurance to legally drive on public roads.
Depending on the laws in your state, you will need minimum liability insurance. You can buy more coverage than that depending on your needs.
When shopping for car insurance, it’s important to make sure you’re getting the best deal. General makes it easy for you to compare your quotes – in just two minutes you will have a quote and you can save it to come back later and compare it with other quotes you get online.
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General offers many types of discounts to help you save money in the short and long term. Options like good student discounts, multi-driver loading, etc. can help you reduce the cost of your premiums depending on your choice and availability in your state.
Choose General for auto insurance and use our new app! Use it to pay bills, manage claims, view your policy ID card, get claim support, and more.
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