You pay your car insurance bill when it comes due, and so you probably expect to have coverage if you get into a crash. Many people don’t stop to think about how they primarily insure themselves against liability, not necessarily against losses.
If you don’t have coverage beyond the state minimum and the other driver doesn’t either, you could wind up with big bills after a crash in Texas.
What is the mandatory coverage?
Texas requires that every driver carry liability coverage to register and drive their vehicle. At the very least, everyone driving in Texas should have $25,000 worth of property damage liability coverage. They should also have $30,000 in medical liability coverage which will double if more than one person gets hurt.
The cost to replace your vehicle could be much more than $25,000, and your medical costs could quickly exceed $30,000. You can potentially protect yourself against uncovered losses after a wreck by purchasing comprehensive, collision or uninsured motorist coverage. If you don’t have that coverage when a wreck occurs?
You can hold the other driver responsible
Every driver should carry enough coverage to protect themselves from liability. If a driver doesn’t carry enough, then they could face a claim in civil court for the additional losses someone has suffered. The remaining replacement costs for your vehicle, your additional medical bills or your lost wages could all be part of a personal injury lawsuit against the driver who caused the crash. Learning about car insurance can help you prepare in case you ever do get into a serious collision.