Frequently Asked Questions about Car Insurance in Dallas

Guide to Unusual Auto Insurance Situations in Texas

Since each state governs its own laws about auto insurance, what holds true in one state might be completely different in another.  If you have car insurance in Dallas the chances are high that you will run into a few situations you haven’t experienced before.  Here are some of the most frequently asked car insurance questions and answers

Do I Have to Have Car Insurance in Dallas, Texas?

While car insurance in Dallas does not appear to be strictly mandatory, you are required to prove that you are capable of being covering the damages from any accidents that you cause.  The easiest and most sensible way (and probably the only way, if you’re not Bill Gates) is to have bodily injury and physical damage liability coverage.  So car insurance in Dallas is practically, if not necessarily theoretically, mandatory.

Does My Car Insurance Cover Rental Cars?

If you rent a car, you have three basic choices for coverage:

Am I Covered by Car Insurance Outside of Dallas?

Car insurance for Dallas residents covers driving in all other states and in Canada.  If you drive to Mexico, however, you usually need to purchase additional car insurance.  Dallas insurance is generally not accepted there.

What if I Can’t Find Car Insurance in Dallas?

If you are having trouble finding car insurance in Dallas because of your driving record, you can turn to the Texas Automobile Insurance Plan Association (TAIPA).  TAIPA will provide you with the bare minimum amount of coverage demanded by Texas law.  You are eligible for TAIPA if two car insurance agencies turn you down because of your record.