Understanding Minimum Liability Coverage

Contact a Fort Worth Car Accident Attorney Today

All drivers in Texas are required to carry a minimum amount of liability insurance so anyone involved in an accident will receive at least some form of compensation for their losses. However, the minimum amount does not often cover all of the damages in serious incidents. So what do you do when you are an unfortunate victim of one of these underinsured drivers?

A skilled Fort Worth car accident lawyers may be able to help. The Law Office of James M. Stanley has assisted Texans with personal injury suits since 1976. Our dedication to our practice has earned us numerous respected honors, such as admission to the Texas Trial Lawyers Association, the American Association for Justice, and the Multi-Million Dollar Advocates Forum, a society reserved exclusively for lawyers who have won multi-million dollar settlements for their clients.

If you have been injured in a car accident, call us at the Law Office of James M. Stanley today and help ensure you receive the compensation you deserve.

What Are the Minimum Liability Limits?

The state of Texas requires that all drivers carry liability insurance for three different types of damage. This will allow all drivers to be financially protected to a degree should an accident happen and they are at fault for any portion of it.

Minimum liability laws in Texas require that all drivers are insured up to:

  • $30,000 for each injured person per incident
  • $60,000 total for all injuries when multiple parties are injured
  • $25,000 for property damage per incident

When you consider the scope of a normal auto accident, this minimum insurance does not really cover all that much. $30,000 is certainly enough to cover minor injuries, but in the case of serious, catastrophic injuries, it may not be suitable to provide extensive, long-term treatment, lost wages, and the other burdens of a life-changing accident.

While it is always a good idea to carry uninsured/underinsured motorist insurance on your own policy, it is still strongly recommended you retain the services of an attorney when you have been involved in an accident. Proven counsel can not only help ensure that you receive the maximum amount possible from an insurance provider but can also take decisive action against the negligent driver, as well.

Contact the Law Office of James M. Stanley for a free case evaluation after your auto accident. We’re ready to hear your story.

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