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Posted: Saturday, October 12, 2013 2:14 PM

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Auto insurance is the largest . single classification of the property-liability business. This is in response to continually rising medical, legal and automobile repair costs. State Automobile Insurance Laws: In recognition of the enormity of the automobile hazard in terms of deaths, personal injuries, and other damages, a number of state automobile laws emerged.

Today, every state has enacted some type of financial responsibility. That make auto liability insurance compulsory, and those that require a security deposit, or financial responsibility laws. Financial responsibility laws are designed to keep off the highways those drivers who cannot pay for damages or injuries for which they are responsible. In addition, it is contended that notification of cancellation burdens insurers with paper work, plus the cost of having license plates confiscated from the insured. The nofault system of automobile insurance was introduced in the late 1960's as a substitute for the tort liability system of compensatory automobile accident victims. It grew out of the dissatisfactions of both insurers and insureds with the tort system that allegedly is a costly and time-consuming system of determining who was at fault in an accident. Consequently, the tort liability system is unaffected in states with add¬on plans. Some of the plans contain off-set pro-visions. These entitle a no-fault insurer to reimbursement for no-fault benefits paid from the proceeds of any liability settlement received by the injured person.

Most statutes permit the victim or survivors to sue in tort for dismemberment, significant dis¬figurement, a fracture, or permanent loss of use of a body organ. Other statutes provide tort exemption only

For additional information on auto insurance requirements, please visit Texas Department of Auto Insurance.

For more information on Beaumont, please go to Official Site for Beaumont.

487 Parker Dr, 77705    google map | yahoo map

• Location: Beaumont/Pt Arthur, Beaumont TX

• Post ID: 15828311 beaumont

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