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Liability Insurance FAQ
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Texas Liability Insurance

In Texas, laws govern how much liability insurance motorists must carry. The state recognizes that drivers should take responsibility for injury and damage that they cause while operating a motor vehicle. Texas liability insurance reimburses another driver for medical expenses or property damages caused by an at-fault driver in an automobile accident.

The Texas Department of Insurance oversees the regulation of insurance laws for the entire state. This means that they set the minimum requirements for liability coverage which all licensed drivers must possess in order to lawfully operate a motor vehicle within the state’s boundaries. While clear minimums have been established, drivers are able to purchase liability insurance in amounts that exceed these minimums in order to ensure that they are adequately covered in the event of an accident. Failure to maintain the necessary minimums can result in fines, the suspension of the driver’s license, or the impounding of their vehicle.

Texas Liability Insurance - Requirements

The driver may elect to purchase Texas liability insurance in differing amounts for each type of liability. For bodily injury liability, the driver must have minimum coverage of no less than $25,000 per person and $50,000 per accident. This coverage may be used to pay for the other driver’s medical expenses, lost wages, pain and suffering, and punitive damages. The driver must also carry property damage liability coverage for no less than $25,000 per accident. This insurance provides coverage for repair and replacement of property damaged in a collision.

The driver must also purchase personal injury protection which covers themselves and anyone else in the car with them at the time of collision, regardless of who was at fault. At a minimum, the driver must carry $2,500 worth of this coverage. They are also required to purchase uninsured motorist coverage, which protects them in the event that they are involved in an accident with a driver who does not have liability insurance. The minimum amount for this coverage is $25,000 per person and $50,000 per accident.

Texas Liability Insurance - Collision Coverage

Lastly, drivers may optionally purchase collision coverage, which helps pay for damage to their own vehicle. Although not required, this coverage can prove very useful in the event of an accident.

Texas liability insurance protects all drivers by making each individual financially responsible for their actions. A collision is a stressful occurrence, but having liability insurance takes some of the monetary strain out of the circumstances, and provides necessary peace of mind.

Last Modified: May 16, 2011