It is not worth the cost you can incure to go with out your States minimum auto insurance limits. They set these limits for your protection as well as for other. Not having insurance does not excuse you from liablity. The State of Texas and many others have stiff laws regarding this matter.



Each State differs in what kind of covergae is mandatory. In the State of Texas they say you must have liabilty coverage of 25/50/25 minimum. This will protect the other party.

Basically, the limits somewhat protect your pocket book and the person that incurred the damages up to $25000 for bodily injury or death, $50000 for two people. They also require $50000 to protect damages done to property such as the other vehicle. They do not require Comprehensive coverage to protect oneself.

If you are found at fault the States minimum may not be enough. If the cost of damages are more than you have coverage for you are still responsible to pay. This is why many insurance companies recommend higher limits to eliminate this possibility for your protection.

If you are the sole owner of your automobile you are not required too have Comprehensive coverage, although it is highly recommended for your own protection. If you have a lien holder they most likely require you to carry Comprehensive to protect them.

If you decide to ignore the requirements you could get a big right hook to the pocketbook. How about the cost for towing and storing your vehicle. Fines that could cost as much as $350. If it is not your 1st time $650 or more is to be expected. You could even lose the privelage to driver a motor vehicle.

The State of Texas also has a "surcharge" that you must pay for a period up to 3 years to the Department of Motor Vehicles to maintain your license. It is not a cheap price tag either. They find it very necessary to have at least the bare minimum so they take this matter serious.

People seem to think they just can not afford auto insurance. looking at the facts you must ask yourself, can I afford not to be insured? Fines, surcharges and higher insurance rates. I don't think so.