In Texas The Minimum Amount Of Insurance Coverage Is

In Texas, What Is The Minimum Amount Of Insurance Coverage?

The Law On Texas Car Insurance

In Texas, if you own a vehicle, you are required by law to have car insurance. The state of Texas requires all drivers to have a certain level of insurance coverage in order to legally operate a motor vehicle. The minimum amount of insurance coverage required in Texas is 30/60/25 liability coverage. This means that the driver must have a minimum of $30,000 in bodily injury liability for one person, $60,000 in bodily injury liability for two or more people, and $25,000 in property damage liability in order to be considered adequately insured.

What Does Liability Insurance Cover?

Liability insurance is the most basic type of car insurance. It provides protection in the event that you are responsible for an accident. If you are found to be at fault for an accident, your liability insurance will cover the costs associated with any damages or injuries that occur as a result of the accident. This includes medical expenses, legal expenses, and property damage. Liability insurance does not, however, cover any of your own costs or damages associated with the accident.

Are There Other Types Of Insurance Required?

In addition to the minimum liability coverage required in Texas, drivers may also choose to purchase additional types of insurance coverage to further protect themselves in the event of an accident. This can include collision insurance, which covers the cost of repairs to your vehicle in the event of an accident; comprehensive insurance, which covers the cost of repairs to your vehicle in the event of damage from natural causes; and uninsured/underinsured motorist coverage, which provides protection in the event you are involved in an accident with a driver who does not have adequate insurance coverage.

What Are The Penalties For Not Having Insurance?

In Texas, driving without the minimum amount of insurance coverage is a crime and can result in a variety of penalties. These penalties can include fines, suspension of your driver’s license, and even jail time. Additionally, if you are found to be at fault for an accident and do not have the minimum amount of insurance coverage, you can be held personally liable for the damages and injuries associated with the accident.

Conclusion

In Texas, the minimum amount of insurance coverage required is 30/60/25 liability coverage. This is the most basic type of car insurance and provides protection in the event that you are responsible for an accident. Additionally, you may choose to purchase additional types of insurance coverage to further protect yourself in the event of an accident. Driving without the minimum amount of insurance coverage is a crime and can result in a variety of penalties.