If you're a Texas driver who's having trouble finding a company to insure you because of your driving record or credit rating, you may be able to get basic liability coverage through the Texas Automobile Insurance Plan Association (TAIPA). You can only qualify for TAIPA coverage if two insurance companies reject you. This should be used as a last resort, though, as premiums tend to be much higher than on the voluntary market. For more information on this program and many other auto insurance-related topics, contact the Texas Department of Insurance (http://www.tdi.state.tx.us/).

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