What is the minimum car insurance policy required in Texas?

In Texas, the minimum required car insurance policy is known as 30/60/25 coverage. This means that drivers are required to have the following coverage limits:

1. $30,000 bodily injury liability coverage per person: This means your insurance policy must cover up to $30,000 for each person injured in an accident for which you are at fault.
2. $60,000 bodily injury liability coverage per accident: This means your insurance policy must cover up to a total of $60,000 for all people injured in an accident for which you are at fault. If more than one person is injured, the coverage will be distributed among them, but the total amount will not exceed $60,000.
3. $25,000 property damage liability coverage per accident: This means your insurance policy must cover up to $25,000 for property damage caused in an accident for which you are at fault. This typically includes damage to another person’s vehicle, but it can also cover other types of property, such as buildings, fences, or road signs.

These minimum coverage limits are set by the state of Texas to ensure that drivers have at least a basic level of financial responsibility in case they cause an accident. It’s important to note that these limits may not provide adequate coverage in all situations, especially if a serious accident occurs. Many drivers choose to purchase higher coverage limits or additional types of coverage to protect themselves and their assets further.

It’s recommended to consult with an insurance professional or an insurance company to understand the coverage options available to you and determine the most appropriate policy based on your needs and budget.

If you are injured in a car wreck, please contact Wester Law Office at 281.766.4878 to book a free consultation.