What is the minimum insurance coverage required in Texas?

The minimum insurance coverage required in Texas is designed to protect individuals in the event of an accident by ensuring that there are adequate funds available to cover injuries and damages. This requirement specifically includes $30,000 for bodily injury per person, $60,000 for total bodily injury per accident, and $25,000 for property damage.

This structure comprehensively addresses both the medical expenses that a single injured person may incur and the collective injuries that multiple people may experience in a single accident. Additionally, the coverage for property damage ensures that, in the event of an accident where another person's property is damaged, there are sufficient funds available to cover those costs as well.

This balanced approach is not only aimed at protecting the injured parties but also plays an essential role in maintaining financial responsibility among drivers in Texas, ultimately promoting greater accountability on the roads.