Increasing Your Coverage
Texas only requires motorists to carry a 30/60 bodily injury liability auto insurance policy. This means that, in the event you are at fault in an auto accident involving a car full of people, any one person can only recover a maximum of $30,000, and all persons involved can only recover a maximum of $60,000 combined under your insurance policy.
So, if you are involved in an auto accident with four people in a vehicle, a combined $60,000 among all claimants does not go far if each person sustained injuries. EMS bills, emergency room bills, and lost wages add up quickly. Multiply those damages by four, and your minimum limits policy is easily exhausted.
For just a few more dollars a month, you can increase your liability coverage to protect yourself against a lawsuit for damages in excess of your minimum auto insurance policy limits, should you find yourself at fault for an auto accident. Increasing your coverage now can save you the time of being involved in a lawsuit and the money a potential judgment could cost you later.
If you or a loved one has been involved in an auto accident, contact a board certified personal injury attorney to evaluate your potential claim.