Texas law requires people who drive in the state to pay for the accidents they cause. The majority of Texas drivers comply with this requirement by purchasing auto liability insurance. Texas financial responsibility law specifies minimum insurance coverage amounts for Texas drivers.

Texas Automobile Insurance Minimums

Texas law sets forth minimum coverage amounts for automobile insurance. The basic coverage is sometimes called 30/60/25 coverage, and requires:

  • $30,000 for each injured person,
  • $60,000 total per accident, and
  • $25,000 for property damage per accident.

A car accident can cause significant damage to property, as well as serious injuries or even death. Because of the expense associated with repairing vehicles and the high costs of medical care, these minimum amounts may not cover the costs of a car accident.

If you were involved in a car accident with a driver who was uninsured or underinsured, you should speak with a car accident attorney right away to discuss your rights. Car accidents involving uninsured or underinsured drivers often result in complicated legal proceedings. Filing a lawsuit against the driver may be the only way to secure the funds necessary to repair your vehicle and pay for your medical expenses.

Proof of Financial Responsibility 

Insurance companies provide policyholders with a proof-of-insurance card. Drivers must show a current card when they are:

  • Asked for it by a police officer,
  • Are involved in an accident,
  • Register a car or renew its registration,
  • Get or renew a driver’s license, or
  • Have their car inspected.

If you are involved in an accident, you should ask the other driver for his or her insurance information and write down this information before leaving the scene of the accident. Always call 911 after a car accident, regardless of how serious the accident was.

Penalties for Violating Texas Insurance Law

The penalties for violating Texas financial responsibility laws are as follows:

  • First offense: fine of $175 to $350
  • Additional offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your car
  • Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both
  • Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both

Contact an attorney

At Sutliff & Stout, we have experience representing car accident victims in lawsuits against drivers who have violated Texas insurance laws. To speak with a Houston car accident lawyer about your case, call (713) 987-7111 or contact us online today.