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Auto Insurance Requirements in Texas

San Antonio Car Accident Attorneys Explain

Texas state law requires all drivers to carry some form of auto insurance, and also for that insurance to cover a minimum amount, at least liability coverage. This insurance will cover the costs of damages if the driver is found to be at-fault for the accident. Having the minimum on your policy is not only required by law, but can also give you piece of mind.

The Minimum Coverage Limits

Every driver must also carry proof of coverage in his or her vehicle, including registration. This is important, for example, if you were stopped by a police officer and they asked to view your proof of insurance. Without an insurance policy in place, you could be fined $350.

These are Texas state requirements for auto insurance coverage:

  • Liability coverage for bodily injury: $30, 000 per person; $60, 000 per accident
  • Liability coverage for property damage: $25, 000
  • Uninsured motorist, bodily injury: $30, 000 per person; $60, 000 per accident
  • Uninsured motorist, property damage: $25, 000; $250 deductible; can decline this option
  • Personal injury protection (PIP): $2, 500; can decline this option

You can also opt to purchase higher limits on our policy, or even purchase full coverage insurance. Full coverage insurance means that it will include comprehensive coverage and collision coverage. These types of coverage can cover you in the event of some disaster or other incident where you were not at fault, e.g. if your car was stolen. Another option to cover medical payments that you or any others traveling with you.

Need more insight? Speak to our attorneys!

Insurance law, especially concerning liability in auto accidents, is an immensely complicated area of law. It takes a team of attorneys who have not only studied and possess vast knowledge of the law, but have also represented those who make claims against their insurance or another party’s insurance company in the event of an accident. Tom Rhodes Law Firm P.C. is a team of San Antonio car accident attorneys with over 100 years of collective experience. We have advocated for clients that are burdened by the cost of treating their injuries and get them the help they need.

See how we can help you by contacting our firm today! We offer free case evaluations and there are no up-front costs until your case is won.

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Tom Rhodes Law Firm P.C.

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