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What Are Texas Car Insurance Requirements and How Do They Impact My Recovery?

July 17, 2019
Car insurance form with a pen and toy car

If you were injured in a car crash, we recommend calling a personal injury attorney as soon as possible. You may have hopes of obtaining compensation for your injuries and property damage through the at-fault driver’s auto insurance policy. Before you talk with their insurer about a settlement, you should speak with a lawyer about Texas car insurance requirements, how policy limits can impact your circumstances, and any other options you have for pursuing compensation.

You can reach an experienced Texas car accident lawyer at Begum Law Group to learn more about your options moving forward. To schedule a free consultation with The Law Giant, contact us today at (866) 523-4167.

Texas Car Insurance Requirements

If you own or lease a vehicle in Texas, you are required to purchase and maintain insurance coverage of at least:

  • $30,000 per person for bodily injuries
  • $60,000 per accident for bodily injuries
  • $25,000 for property damage

This is known as 30/60/25 insurance coverage, and the amounts are minimum requirements. Drivers can choose to purchase bodily injury and property damage coverage with higher limits.

How Texas Auto Insurance Requirements May Affect Your Claim

If you were seriously injured in a crash that someone else caused, then you will likely look to that person’s auto insurance coverage to pay your bills. If that driver is from Texas and has purchased only the minimum amount of coverage required by the law, then you may run into trouble. Typically, insurers will only pay out up to the policy limit after an accident.

In regard to property damage, if the repairs to your vehicle or the replacement value are greater than $25,000, then you need to talk with a Texas car accident lawyer about how you will pursue the difference between the insurance policy limit and the repair or replacement costs. If your medical bills, lost wages, and pain and suffering are worth more than $30,000, then you need to talk with a lawyer about how to pursue additional compensation.

Whenever your physical, psychological, and financial injuries from a car crash are valued at more than the at-fault driver’s policy limits, you need to speak with a lawyer about pursuing additional compensation through a personal injury lawsuit.

Optional Auto Insurance Coverage in Texas

You also can purchase other types of insurance coverage that can help you in the event of a collision or other circumstances:

Collision Insurance
This type of policy to repair or replace the driver’s car after an accident, no matter who was at fault.

Comprehensive Insurance
This policy pays to repair or place your vehicle when it is damaged in incidents other than collisions, such as fire, flood, and vandalism.

Personal Injury Protection Insurance (PIP)
This policy pays for you and your passengers’ medical bills, lost wages, and other injury-related expenses after an accident. All auto policies in Texas include PIP coverage, and if you do not want it, you must inform the insurance company in writing.

Medical Payments Coverage
This policy pays you and your passengers’ medical bills after a crash. It can also cover you if you are hurt while riding in someone else’s car, riding a bike, or as a pedestrian.

Uninsured/Underinsured Motorist Coverage
These policies cover your property damage and/or medical costs if the driver responsible for the crash lacked insurance or had too little insurance to cover your damages. An uninsured motorist insurance policy may cover hit and run accident. In Texas, insurance companies must offer you this type of insurance. If you do not want it, you must inform the insurer in writing.

Towing and Labor Insurance Coverage
This policy pays to have your car towed if it is too damaged to drive and pays for the cost of having a service provider jump start your battery or change a tire.

Rental Car Reimbursement
This policy pays for a rental car when your vehicle has been totaled, damaged, or stolen.

Call The Law Giant for Help Today

After sustaining serious injuries in a car crash, you should have help pursuing a fair insurance settlement. The Texas car accident attorneys at Begum Law Group will fight hard for you to receive an appropriate settlement. If the insurer refuses to pay out more than the policy limits, we can represent you in a personal injury claim against the driver. We will pursue the maximum amount of recovery possible for you.

To talk with us about your circumstances after a collision, call (866) 523-4167, or reach out through the online form.

Contact us for a real conversation with a Texas Injury Lawyer

Compensation without the frustration.

“Great group of people to work with—very efficient and professional. Alex has put together a great Team!”

– DEREK B.