Before you set yourself on the driving seat if you are living in Austin, you must be aware that there are Austin Auto Insurance coverage and requirements that you must fulfill. These are to ensure safety of both the driver and the other party, property or vehicle in case of an accident. As per the law in Austin Auto insurance coverage and requirements begin with the notion that every vehicle driver must purchase and maintain insurance policy for his or her vehicle. In fact, car registration process is completed only if you show evidence of insurance to the state department.
Every state has its own minimum insurance coverage requirements. Austin Auto Insurance coverage and requirements to a minimum level are as follows.
- For bodily injury $30,000 per person
- Total bodily injury for the accident amounting to $60,000 minimum
- In case of property damage $25,000 per accident
These are the minimum Austin Auto Insurance Coverage and requirements that every vehicle owner residing in Austin must fulfill. However it is always advisable to go beyond this minimum level and insure your automobile to a more sufficient level. Following are some other categories of Austin Auto Insurance Coverage and requirements.
As per uninsured motorist coverage you are required to cover the medical bills if it is the fault of the other driver and he is not insured in case of an accident. Similar to this category, underinsured motorist coverage pays for the medical bills of the other person who is at fault but that does not have sufficient insurance coverage for himself compared to the injury he is caused. Another type of insurance coverage is collision whereby all the expenses related to the repair and or replacement that has been harmed in an accident are covered. A higher level of auto insurance is comprehensive coverage that aims to protect against damages caused to the vehicle by incidents such as storms, floods, theft or animal hitting the car forcefully. As per comprehensive coverage all the expenses relevant to repair or replacement of car parts are covered by the insurance company.
A part of Austin Auto Insurance Coverage and requirements is that the driver should be able to show proof pf his car insurance when asked for.it is the duty of the insurance company to provide with an insurance card that contains vital information related to the insurance policy, its coverage and expiry. Likewise it is *the duty of the driver to carry this card all the time with himself as he may be stopped by officials anytime while driving to be checked upon. Inability to do so may cause the person a fine as much as of $350. If this offense is repeated again and again the fine could reach to $1000 and there could be imprisonment of the driver or suspension of driving license as well. When it comes to checking of insurance policy card, Austin state departments are very strict in this regard as they aim to bring down the number of uninsured vehicles running in the state. For they believe it is for the betterment of not only those driving the vehicle but everyone as a whole,