There are laws in some states that specifically require that car insurance be carried by car owners, while other states' laws are written in a way that car owners and drivers are only required prove to the state that they are maintaining an approved method of financial responsibility on their vehicle.Alternative methods allowed in such states typically include bonds, deposits of cash or securities, or self-insurance. For instance, Texas laws allow for car owners to show financial responsibility with a car insurance policy with liability limits of $30,000 per person and $60,000 per accident for bodily injury and $25,000 for property damage (30/60/25) or alternative methods of a:
- Surety bond
- Deposit of cash or securities
- Deposit of cash or cashier's check
- Self-insurance certificate (must own 25 or more vehicles)
- A certificate of financial responsibility should be issued in lieu of an insurance card for the above options.