Minimum Liability Limits for Texas Auto Insurance
The Texas Department of Insurance manages the minimum requirements for liability coverage to drive legally within the state. These requirements are in place to give drivers an affordable way to drive legally while protecting other drivers who may be injured or have property damaged in a crash. Driving without the minimum liability coverage can have serious consequences, ranging from financial liability to loss of future driving privileges.
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Injury Liability
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According to the Texas Department of Insurance, each auto policy written in the state must carry at least $25,000 in medical liability insurance. This coverage pays up to this amount for each person injured in an accident involving your vehicle, up to a value of $50,000 for all injured parties. Medical bills can be expensive and the minimum coverage option may not be enough to pay for all medical procedures after a serious accident.
Property Damage Liability
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Texas also requires drivers to carry property damage liability coverage of at least $25,000. This portion of your insurance policy pays to repair or replace the other driver's vehicle in the event of an accident. This insurance never pays to repair your own vehicle. To have your insurance directly protect your vehicle in an accident you must add optional collision coverage to your policy. Doing this will also raise your monthly premium.
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Personal Injury Protection
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Personal injury protection is not a requirement for auto insurance policies in the state, but the Texas Department of Insurance strongly recommends it. This liability insurance pays for your medical expenses and some lost wages as well as the medical expenses and lost wages of your passengers in a crash. Since Texas is a proportional fault state (meaning if you're ruled more than 50 percent responsible for an accident you can't collect liability compensation from the other driver), this coverage is a wise idea to avoid being sued by your passengers.
Driving Without Insurance
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Driving without insurance will net you an escalating series of fines ranging from $175 to $1,000 and the possible loss of your driver's license. If you are involved in a vehicle accident and have no liability insurance, you are personally responsible for all damages to other vehicles and all medical costs for those injured because of your actions. You may face a civil lawsuit for damages, which can affect your current and future earnings potential.
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