Texas law requires drivers to show that they can pay for the accidents they cause. Most drivers do this when purchasing liability insurance for cars. Liability insurance pays for the repair or replacement of the other driver's car or other damaged property, and pays for other people's medical expenses when you're at fault for an accident. Your insurance company will pay for a car rental only for as long as it deems reasonable to repair or replace your car.
Car insurance protects you financially by paying the medical and repair bills for the other driver's car if you cause an accident. If the other driver's limits aren't enough to cover all your medical bills, file a claim with your car insurance company or health insurance company. For example, if your car is 10 years old, the company will pay you the value of a 10-year-old used car. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties.
It won't be worth replacing your car with a new one that's the same make and model as your wrecked car. If your accident was caused by another driver, the other driver's insurance company will pay for you to rent a car. Allstate is often the cheapest auto insurance company for minimum liability insurance in Texas. Not having car insurance in many states can make you a high-risk driver when buying car insurance.
In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. If you don't own a car, but you borrow it frequently, you can purchase a third-party liability policy that pays for damage and injuries you cause to others while driving a borrowed car. If you think the other driver was at fault, but your insurance company won't pay your claim, file a claim with your own insurance company. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs.
You can keep the rented car for as long as the company deems reasonable for repair. It protects you in the event of an accident in which the other party is at fault and has no insurance or whose insurance limits are not sufficient to reimburse you for the damage they caused.