What Texas Car Insurance Minimums Mean for San Antonio Drivers

By Robert Fredricks Posted in Car Insurance News



Texas state requirements for car insurance remains fairly lax compared to other states, which may translate into a cheaper policy, but could turn into financial problems if you’re involved in an accident, especially if you’re at fault.

The Absolute Minimum

State law requires that all Texas drivers carry liability insurance, meaning in the event of an accident, your insurance must cover damages and medical expenses for other driver if you are at fault. Texas isn’t a no fault state, so any damages or medical expenses the person at fault may sustain may end up on their own shoulders without any help from the insurance company.

The minimum liability coverage in Texas includes at least 20,000 dollars for medical expenses if the person in the other car is alone. If the other driver is carrying passengers the coverage must include at least 40,000 for their combined medical expenses. The last requirement is 15,000 dollars to cover all necessary repairs to the victim’s vehicle from when it was struck. Besides these three requirements, all other coverage is left to the discretion of the driver.

Supplemental Coverage

In order to protect themselves, San Antonio drivers may want to bump up their coverage past what is the required minimum. Though not required, it is highly recommended that drivers have some form of collision coverage. This will help to cover medical and repair costs if the driver is at fault. Another important supplement to your coverage is insurance for accidents with the uninsured. Though Texas requires its drivers to carry liability insurance, some states do not. Getting into accident with someone who may not have liability insurance, or any insurance at all could cost both parties a great deal of grief. Uninsured car insurance will keep you covered no matter what the other driver’s policy is.

Related posts:

  1. New Minimum Louisiana State Requirements For Baton Rouge Car Insurance
  2. New Minimum Michigan State Requirements For Ann Arbor Car Insurance
  3. New Minimum Florida State Requirements For Jacksonville Auto Insurance
  4. New Minimum California State Requirements For San Jose Car Insurance
  5. How Much Car Insurance Do I Need?






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