Texas Auto Insurance Overview & Requirements

Many consumers do not realize that there are multiple options in terms of coverage levels provided by auto insurance policies in Texas which can be a major pitfall. In fact, many drivers only recognize whether or not they have “full coverage” or “liability only”. The state of Texas requires you to carry $30,000 per person that you injure in an accident/ $60,000 for all injuries you cause, and $25,000 “property damage” which typically involves damage to another vehicle that you have hit. In the event you are involved in a bad accident and are at fault, YOU are personally responsible for any bodily injury or damage to other vehicles exceeding these limits. This is why reviewing your policy is crucial as the cost to increase these limits to something more fitting to better protect your family is minimal. 

We will go through each piece of your auto insurance policy to ensure you are covered adequately and correctly. After our review, you will understand each component to your policy by our use of real life examples. These components include the various options of liability limits, Uninsured/Underinsured motorist coverage, Personal Injury Protection, Comprehensive, Collision, Roadside, Rental Reimbursement, and even GAP coverage.