Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.
You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.
In Texas, drivers are legally required to carry a minimum amount of auto insurance. This includes bodily injury liability coverage with at least $30,000 per person and $60,000 per accident, and property damage liability coverage of at least $25,000. Texas law mandates that drivers must provide proof of insurance when stopped by a police officer for a traffic violation or when involved in an accident. Failure to provide this proof can result in a citation. Additionally, proof of insurance is necessary to register a vehicle in Texas. Driving without the required insurance or failing to register a vehicle due to lack of insurance can lead to fines, vehicle impoundment, and even the suspension of driving privileges.
