Although writes Auto Insurance Policies nationwide, I have a very special fondness in my heart for the State of Texas.

In 1981, I entered the United States Air Force. I was initially assigned to Lackland Air Force Base in San Antonio, Texas for my Basic Military Training. Upon completion; I spent 6 weeks at Keesler Air Force Base in Mississippi for Technical Training as a Personal Affairs Specialist.

Beyond sitting on the Awards & Decorations Board; two of my primary responsibilities were discussing the pros and cons of the Survivor Benefit Plan (SBP) to retiring Officers and Airmen and insuring the correct Beneficiary Selection for their Life Insurance Program. After I completed my technical training I was then assigned to my permanent duty station at Brooks Air Force Base in San Antonio, Texas.

Texas State Flag
Texas State Flag

Before reporting for duty, I went home to pick up my car in Pennsylvania and drove it to San Antonio. Once I arrived in Texas; I immediately started to make phone calls to local auto insurance agents to obtain Texas State Car Insurance Coverage.

After making a few calls, I learned just how difficult it was to obtain Auto Insurance for my car. It seemed to me the local insurance agents had all the power. These auto insurance agents had the authority to insure or not insure anyone they wanted. They had no use for an 18-year-old with a late-model car needing both Comprehensive and Collision coverage.

Even though I had a perfect driving record and current Pennsylvania coverage, they all gave me the brush off. I promised myself if I ever had the authority to choose whom I could insure, I would represent car insurance carriers which did not discriminate against anyone. I was Honorably Discharged for the Air Force in 1984 and eight years later in 1992, that’s exactly what I did. I became a Property & Casualty Insurance Agent and started and Insurance Agency called Combined Insurance Group, Ltd.  Located in a little office in North Wales Pennsylvania, I focused on marketing auto, home and life insurance to the local North Penn Area. After marketing the local area for a year, I started advertising statewide and soon was selling auto insurance statewide. In 1995 I established one of the very first auto insurance web-sites on the world-wide web. (CAI) was online line marketing insurance products before both Progressive and GEICO. Three years later  I aquired the valuable domain from Reliance Insurance Company. now markets  insurance products nationwide. Regardless of your age, good or bad driving record or type of car, you will qualify because we represent the 30 top Insurance Companies in the U.S.

Texas Financial Responsibility Law

As required in most U.S States, the State of Texas is a Financial Responsibility Law or Compulsory Auto Insurance State. The State of Texas requires anyone whom owns and drives a car in the State of Texas must maintain a statutory minimum amount of Financial Responsibility or Auto Insurance.

The State Minimum amount of Texas Liability Insurance when purchased from a licensed auto insurance agent like pays to repair or replace another driver’s car and will pay for medical expenses of the other vehicles passengers when involved in an at fault accident. The amount paid is determined by the Texas State Financial Responsibility Law.

The minimum insurance coverage amount required by the Texas State Financial Responsibility Law is $25,000 per each person, up to a total of $50,000 per accident, and $25,000 for property damage.

Important Change Coming Soon: The Texas State Liability Auto Insurance limits will increase on January 1, 2011, to $30,000 Per person, up to a total of $60,000 per accident, and $25,000 for property damage per accident.

Violating the State Motor Vehicle Laws in the State of Texas

There are many severe penalties and fines for violating Texas’s State’s Financial Responsibility Laws. If you are caught operating a motor vehicle in Texas the first conviction will result in a fine between $175 and $350. All subsequent convictions could result in fines of $350 to $1,000, suspension of your Texas driving privileges and impoundment of your car.

When you obtain your auto insurance policy from, we will provide you with both a policy declaration and insurance card. You will need this card to show proof of financial responsibility when you:

  • are asked for it by a law enforcement officer
    have an accident
  • register your car or renew its registration
  • obtain or renew your driver’s license, or
  • get your car inspected.

Obtaining a New Auto Policy Insurance

If by chance you have allowed your auto insurance policy to cancel or non-renew, or your auto insurance policy is up for renewal; call (800) 807-0762.

One of our agents will immediately re-write, bind your auto insurance policy for coverage and Fax or email you a new ID Card.

If you have been caught driving without auto insurance and you need to immediately show you have obtained new coverage, we will fax or email proof of current coverage to your bank, leasing company, police or The Texas State Department of Motor vehicles.