Auto Insurance Requirements

Texas Auto Insurance Laws

All drivers in Texas are required by law to carry auto insurance in case they are involved in accidents. Whether it’s full vehicle coverage or just minimum liability insurance, these laws help protect people who are injured in accidents from expensive medical bills and vehicle repair costs.

The car accident lawyers at the accident and injury law office of Terry Bryant understand Texas car insurance laws. So if you are involved in an auto accident and have questions about your insurance coverage, we can help you. Contact us at (800) 444-5000 or fill out a free initial consultation form.

Types of Auto Insurance

Texas drivers may be required to purchase various auto insurance plans, such as:

  • Bodily Injury Liability
    You must carry coverage of $30,000 per person and $60,000 per accident.
  • Property Damage Liability
    You must carry coverage of $25,000 to cover costs of damaged property.
  • Personal Injury Protection (PIP)
    Unless you opt-out, you must carry at least $2,500 coverage of PIP insurance.
  • Uninsured Motorist Bodily Injury
    Unless you opt-out, you must carry $30,000 per person and $60,000 per accident.
  • Uninsured/Underinsured Motorist Property Damage
    Unless you opt-out, you must carry at least $25,000 in coverage and a $250 deductible.

No matter how much insurance you or the driver who hit you carries, there’s still no guarantee the insurance company will pay you the full compensation you deserve. That’s why it’s important to have an experienced auto accident lawyer on your side.


At Terry Bryant, we have more than 30 years of experience handling personal injury and auto accident claims. Our team of attorneys never backs down from a challenge, and we won’t let the insurance company violate your rights. Don’t wait another day to get the help you need—contact Terry Bryant today.

Attorney Terry Bryant

Attorney Terry BryantTerry Bryant is Board Certified in personal injury trial law, which means his extensive knowledge of the law has been recognized by the Texas Board of Legal Specialization, setting him apart from many other injury attorneys. The 22 years he spent as a Municipal Judge, Spring Valley Village, TX also provides him keen insight into the Texas court system. That experience also helps shape his perspective on personal injury cases and how they might resolve. This unique insight benefits his clients. [ Attorney Bio ]