Texas’ minimum limits for automobile liability insurance in 2011 is now 30/60/25. What does this mean?
This affects automobile accidents and personal injury lawyers and their clients’ cases in the following ways:
This means that a driver in Texas is required to carry liability coverage that will pay if that person is legally responsible for causing harms or losses in the following amounts:
1) Up to $30,000 per person injured (old limits were $20,000.00).
2) Up to $60,000 per incident for injuries (old limits were $40,000.00 – this means that if a person causes injury to 4 people in one accident, they must divide up the $60,000 coverage 4 ways (ie, if everyone’s injury was equal – it would be $15,000 per person under the new $60,000 limits – or if there are only 2 people injured, you would have $30,000 per person.
3) Up to $25,000 per incident for property damage (old limits were $15,000). This means that the minimum limits a person can carry will pay up to $25,000 for damage to another person’s automobile – no more. If you have a $50,000 vehicle, you better have underinsured motorist coverage.
The above limits are the minimum limits. You can carry above those amounts, but cannot carry less than those stated above. Most insurance companies offer more in coverage – because they can charge more if they sell you more – and because many people need more coverage than the minimum limits.
