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• TX Auto Insurance
• Texas Mandatory Liability Insurance

Texas Auto Insurance Laws | Mandatory & Minimums Liability Limits

Mandatory Liability Laws & Minimum Auto Insurance Requirements of Texas

It’s important that your auto insurance policy meets the minimum auto insurance laws and requirements of the state of Texas.

The Minimum Liability Requirements of Texas are:

• Bodily injury (BI) liability: $30,000 per person, $60,000 per accident for bodily
  injury to others.
• Property damage (PD) liability: $30,000 per accident for damage to the property of
  others.
• Uninsured motorist coverage is not REQUIRED in Texas (although it is recommended).

Texan Auto Insurance Coverage Types

When you are comparing multiple car insurance policies, there are a lot of terms and types of coverage that are important to understand.

• Bodily injury liability: This pays for damages
  other people incur if you or someone you
  allow to drive your car causes an auto accident.
  Examples of damages include medical expenses,
  rehabilitation, funeral costs, settlement of lawsuits,
  and legal expenses.
• Property damage liability: This pays for
  damage to other people’s property if you or
  someone you let drive your car causes an auto
  accident. It usually pays for repair or actual cash
  value (ACV) of others’ property and your legal
  expenses.
• Personal injury protection (PIP): This typically pays
  for medical, rehabilitation, funeral, and childcare
  expenses as well as for loss of earnings and
  in-home assistance if you and your passengers
  are injured in an accident, regardless of who is at
  fault.
• Uninsured and underinsured motorist bodily
  injury: This pays medical, rehabilitation,
  and funeral expenses, loss of earnings, and other
  damages if you or your family are involved in a
  vehicle, bicycle, or pedestrian accident caused by
  an uninsured or underinsured motorist or a hit and
  run driver.
• Uninsured motorist property: This is for damage to your motor vehicle that is caused by an uninsured
  driver. This optional coverage generally duplicates
  your collision coverage, but may be a good
  buy if you have a high deductible on your collision
  coverage or don’t have collision coverage.
• Collision: This pays for repairing your
  vehicle in a collision or rollover.
• Comprehensive: This pays for damage to
  your vehicle resulting from theft, vandalism,
  windstorms, fire, hail, etc.

Make sure you have your Proof of Insurance in Texas

Your Texan auto insurance company is required to give you an ID card that shows
the effective date and expiration date of your policy. Keep this card in your vehicle as it is required that you are able to prove you have insurance if you are in an accident or if a police officer requests to see it.