Are you in need of Katy TX auto insurance? Anyone who has a vehicle needs auto insurance. Why? Car insurance is required by law in almost every state of the U.S., Texas included. Known as the mandatory minimum, you as a driver must maintain a certain amount of auto insurance or you will be violating the law. The insurance is necessary in the case that you have an accident which results in injury to a person or their property.
At Texas Insurance Agency, we have partnered with the very best insurance companies to match you will your ideal plan. After you contact us, we will compare quotes and get you the best insurance deal we can. After all, insurance can be incredibly costly. We promise the best customer service on your mission to attain security for your family and business. Not only do we provide auto insurance, but homeowners insurance, life insurance, flood, and boat or motorcycle insurance as well. You won’t be let down by our amazing customer service and dedication to your needs.
Let’s discuss the insurance laws in Texas, what your needs may be, and how Texas Insurance Agency can help.
Texas Auto Insurance Laws
In Texas, all drivers must carry a minimum amount of liability insurance. The Texas state minimums are $30,000 for Bodily Injury Liability, $60,000 per accident, and $25,000 for Property Damage Liability. There are no special exemptions for this in Texas.
Texas uses a “fault” system, which means that whoever causes the accident pays for it. After an accident occurs, the injured person may decide to file a claim with their own auto insurance, known as a “first-party claim”. They may also seek compensation from the other driver, using a “third-party claim”. Finally, the injured person may also choose to go to court and file a personal injury lawsuit.
If you are found to be driving in Texas without auto insurance, you can be fined and made to appear in court to settle your penalties. Therefore, auto insurance is absolutely necessary.
According to the statistics, Texas is ranked as the 10th most expensive state for auto insurance, averaging an annual rate of $1506. You need the most affordable insurance you can get, and we have it at Texas Insurance Agency.
What Kind of Risks Do I Face On The Road?
Let’s think about some of the potential situations you may find yourself in on the road. While no one wants to experience any of these situations, you have to be prepared for all of them. No matter how good or safe your driving is, accidents are prone to happen, due to a fault of your own or another’s.
Here are some potential scenarios.
- You experience a minor accident, such as a fender bender or side-swipe. Whether or not you are the offending driver, you need to provide insurance.
- You lose control of your vehicle. Houston gets a lot of rain every year. These slick streets can cause vehicle damage.
- A teenager is driving your car and incur some injuries to themselves and the vehicle.
- Another car hits you, and there is significant damage. If the other driver is uninsured, this situation is even worse for you.
- You get caught in a flood or storm, and the elements do their worst. You need insurance.
Why Choose Texas Insurance Agency?
Texas Insurance Agency is committed to conducting business honestly and with integrity. They want to help you to get the best insurance possible in Katy. We treasure our relationship with our clients and want to ensure that you get the best service possible.
Furthermore, as discussed, attaining auto insurance in the state of Texas is absolutely necessary. We work with some of the best insurance agencies in Texas and want to find you the plan that suits all of your needs, both legal and beyond that. Would you like to know who we partner with? Let’s take a look.
At Texas Insurance Agency, we partner with many different providers for your convenience. Let us help you get the best quote you can with us.
Liberty Mutual Insurance
Texas Fair Plan
Homeowners of America
National Flood Insurance
That is only three of the many insurance partners we have! As you can see, we partner with the best of the best, and if you look through them yourself we’re sure you’ll agree. Every one of these companies trusts us to match them with the right clients. You can rest easy knowing that we will find you the most competitive rates so that you’re not paying ridiculous amounts in insurance every month.
Please, don’t hesitate to contact us! We can’t wait to hear from you. There are several ways to reach us. First, fill out a contact form on our website and tell us a little about what you want. You can find that form here. After that, we will reach you by phone or email, whichever you prefer. If you would like to call us outright first, you can call (281) 398-1010. Our office is open 8am to 5pm every weekday if you would like to visit us or make an appointment. Come visit us at 21430 Provincial Blvd, Katy, TX 77450!
Thank you for visiting us and taking the time to read with us. It is very important you know your legal requirements! Remember, Katy TX auto insurance is a necessity!
Fun Facts About Katy
- Did you know that, according to the experts, Katy is a UFO sighting hotspot? Cool!
- Katy was originally known as “Cane Island” for the river cane that grew there.
- Katy started as a hunting ground for the Karankawa tribes.
- You can find more about this great city here.