Is Auto Insurance Necessary to Get a Driver’s License in Texas?

a3Although it is possible to purchase a car in Texas without showing proof of your identity (many illegal immigrants have had no problem purchasing cars), it is impossible to get a driver’s license without having auto insurance for your registered vehicle in the state. In other words, in order to apply for a license, you have to first show proof of an automobile policy. In addition to this, it is not enough to show it once. You will have to show proof of auto insurance every time you renew your driver’s language. But getting auto insurance in Dallas is easier said than done. There are a few requirements that you have to meet for the procedures to run smoothly. Let’s take a look at some of them.

Texas Car Insurance Requirements:

Want it or not, car insurance is something you absolutely need if you want to protect yourself and your income from possible accidents. According to state laws, a motorist should obtain a driver’s license to carry a minimum amount of liability coverage. The smallest amount of money for auto insurance in Dallas requires a policy of 30.000$ bodily injury to one person, 25.000$ per property damage and 60.000$ for bodily injury per accident. The whole idea of an insurance is to avoid financial strains in case of accidents. They are usually intended to cover the damages suffered by a third party.

The problem with Dallas insurances is that, although the lowest ones are quite low, they might not cover all expenses in case of a serious injury. As a matter of fact, the minimum car insurance policy allowed may sound like sufficient compensation, but if there are any serious medical bills or repair costs included, you will find that it ill completely destroy your budget. You will want higher levels of protection.

Another thing that you should consider, is the fact that Texas doesn’t require motorists to maintain coverage for personal bodily injuries or auto damages, so you might want to look over your healthcare plan (if you have one), again, and conduct a quick comparison with the benefits of your additional protection. If you truly wish to be protected, you will want to weigh the benefits of collision and comprehensive coverage, because they will also provide payment in case of theft. The last type of policy that you might want, if you want to be 100% insures, is the uninsured motorist coverage (UM). This type of coverage will protect you from accidents with uninsured drivers. Apparently, there are over 4 million drivers operating uninsured cars, and crashing into them will put a strain on your policy. The UM coverage protects you from it.

What Else Do You Need to Get Your License?

Besides the auto insurance proof, you will also need a few other things. The first thing you should be thinking about is getting a signed driver’s license application. The next would be a verification of citizenship or legal presence (as we said, it is possible to purchase a car without proving citizenship, but in order to get insurance, and avoid having your car impounded by Dallas’s ordinance, you should have your presence verified). The next thing that you should worry about is the proof of social security number, and a consent to be photographed and fingerprinted. Once you have gathered these elements, as well as a required fee and the vehicle registration and inspection you are ready to try for your driver’s license. Good luck!