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Levels of Auto Insurance

In addition to the Texas minimum legal requirements, you can also purchase higher limits of liability and other additional coverages. Medical bills from accidents can become extremely expensive, especially if the injuries are severe or cause long-term health problems. If you only carry the Texas state minimum limits of liability and you cause an accident with damages that exceed the limits of your policy, the other party has the right to sue you to try to collect any remaining damages. So, it makes sense to purchase more liability coverage if you can afford to.

Different companies offer different levels of coverage, but some common levels of insurance coverage include:

 

Bodily injury:

$50,000/person, $100,000/accident 
$100,000/person, $300,000/accident

 

Property Damage:

$50,000/accident
$100,000/accident

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