What Does Auto Insurance State Minimums Mean – Is Your Coverage Limited? 

Texas law requires all drivers to carry a minimum amount of auto insurance, known as state minimum coverage. This is designed to ensure that if you cause an accident, you have at least some financial protection to cover injuries or property damage to others. These are liability limits, which only pay for the other party’s expenses if you’re at fault in an accident. They do not cover your own injuries or damage to your vehicle.

Does State Minimum Coverage Provide Enough Coverage?

While state minimums meet legal requirements, they may not offer enough coverage in a serious accident. Medical bills and vehicle repairs can quickly exceed these limits, leaving you responsible for paying the difference out of pocket.

Is Your Coverage Limited?

If you only carry the state minimum, your coverage is limited to the amounts required by law. This means you may not have coverage for:

• Your medical expenses (unless you add personal injury protection)
• Damage to your vehicle (unless you add collision or comprehensive coverage)
• At-fault drivers who are uninsured or underinsured

How Our Team Can Help

At Festival Auto Insurance, we help Texas drivers review their policies and understand their options. Our team can explain how increasing your liability limits or adding extra coverage could benefit you. We’re here to answer your questions and find a policy that fits your needs and budget.

Contact us today to review your coverage and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.