Mandatory TX Auto Liability Ins Limits

Each state sets requirements for the minimum amount of car insurance required to operate a motor vehicle. In Texas, legislature mandated an increase in insurance obligations. Residents should be aware of these changes and update their insurance policies to reflect the new TX auto liability ins limits that went into effect in 2011.

This type of insurance is an important part of vehicle coverage in the event that a person is sued. It covers fees relating to litigation such as legal fees and settlements for damages up to a certain amount. Drivers who are uninsured face long lasting consequences such as suspended driver licenses, court dates, and large fines.

Three years prior, residents were initially required to have at least twenty five thousand dollars per person, fifty thousand of coverage per incident, and twenty five thousand dollars for repairs and damages. To protect drivers from financial burdens, the minimum limit were raised to cover expensive costs such as hospital stays and prevent damage due to frivolous lawsuits. When Texans renew or change their policies they will see an increase of two to three percent on premiums.

The new law mandates at least thirty thousand dollars per person, and sixty thousand for each car accident. The property damage minimum has not been changed. Due to inflation, repairs costs and hospital stays are more expensive.

By raising the coverage amounts for personal and bodily injuries, drivers will have more protection from being liable for damages to other drivers. It is more affordable to pay a few extra dollars in premiums than to be sued for thousands of dollars. Drivers can increase their coverage beyond the requirements if they want extra protection.

Raising TX auto liability ins limits means that drivers will have to stretch their budgets further. When the time comes to renew policies, people should consider requesting free quotes from insurance companies. Competitors may offer the same coverage at a lower cost.