Auto mobile Insurance in The Woodlands, Texas
Looking for automobile insurance? Do you live in The Woodlands, Texas? Peterson & Grantham Insurance offers auto insurance in your area. Our insurance company that has over a decade of experience. We take pride in getting our customers the best coverage with the most affordable and competitive rates. We do not charge an added brokers fee, so we can really focus on great rates. Auto Insurance is very important and we work with dozens of carriers.
The Woodlands Texas Automobile Insurance Minimums
Texas law requires people who drive in the state to pay for the accidents they cause. The majority of Texas drivers comply with this requirement by purchasing auto liability insurance. Texas financial responsibility law specifies minimum insurance coverage amounts for Texas drivers. Texas law sets forth minimum coverage amounts for automobile insurance. The basic coverage is sometimes called 30/60/25 coverage, and requires:
- $30,000 for each injured person,
- $60,000 total per accident, and
- $25,000 for property damage per accident.
There are other coverages available and we would be more than happy to find the right coverage for you. Give Peterson & Grantham Insurance a call to get your FREE automobile insurance quote. We are here for all your insurance needs. You may also be interested in getting your insurance bundled to save you even more money. Click HERE to learn about our insurance bundles.
Proof of Financial Responsibility in The Woodlands
Insurance companies provide policyholders with a proof-of-insurance card in The Woodlands. Drivers must show a current card when they are:
- Asked for it by a police officer,
- Are involved in an accident,
- Register a car or renew its registration,
- Get or renew a driver’s license
- Have their car inspected
If you are involved in an accident, you should ask the other driver for his or her insurance information and write down this information before leaving the scene of the accident. Always call 911 after a car accident, regardless of how serious the accident was. This is just a common practice to have the accident on record.
Penalties for Violating Texas Insurance Law
The penalties for violating Texas financial responsibility laws are as follows:
- First offense: fine of $175 to $350
- Additional offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your car
- Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both
- Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both
Automobile Insurance with Accidents
No matter how carefully you drive, accidents can happen. Even the most defensive of drivers who pay careful attention to the road can be at fault for an accident, as other factors such as bad weather, sudden loss of control, and distractions inside the vehicle can cause a crash. When an accident happens, your first instinct is to assure that you and other people in the car aren’t hurt. Once you assess the damage, you will probably have to consider the fact that the accident will make your insurance rates rise. Most local car insurance companies in The Woodlands, Texas will label almost any driver that has caused a wreck as high-risk. Finding low auto insurance quotes or a new insurance company after being involved in an accident isn’t always easy, but there are several ways to do so.