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insurance rates

Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Texas, as in most states, drivers are required to carry a minimum amount of auto insurance. This typically includes bodily injury liability coverage, which covers injury or death to others in an accident that is the driver's fault, and property damage liability coverage, which pays for damage to another person's property resulting from an accident. The minimum coverage amounts in Texas are $30,000 per injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. These are often referred to as 30/60/25 coverage. Insurance rates in Texas can be influenced by various factors, including the driver's record. Traffic violations such as speeding tickets can increase insurance premiums significantly, and more severe infractions like DUI/DWI can lead to even higher rate hikes. Drivers in Texas who have received citations that may impact their insurance costs should consider consulting with an attorney who specializes in traffic violations or insurance law to explore their options and potentially mitigate the consequences.

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