Are there minimum insurance requirements in Texas?

Yes, there are minimum insurance requirements in Texas. The minimum amount is $30,000 per person and up to $60,000 per wreck. That means every driver is supposed to carry an insurance policy that pays out an injured person up to the amount of $30,000.If passengers in the vehicle are injured, they would be paid up to $60,000 divided among all passengers in the vehicle.

If you were seriously injured and facing a very long recovery period, a portion of $60,000 is not enough to handle all the medical, rehabilitation and drug expenses. Alternatively, if you were catastrophically injured and needed around-the-clock medical care for the rest of your life, the small portion you would get from a division of funds would not be sufficient.

The minimum is often not enough insurance to cover losses in less severe cases. For example, one trip to the emergency room can cost more than $30,000, leaving no recovery for any other losses. Driving without adequate vehicle insurance is not only illegal, it is also risky.

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