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Let’s talk about minimum liability limits—what they are, how they work, and why they might not be enough if you’re in an accident. In Texas, the state minimum liability limits are 30/60/25: $30,000 for injury per person $60,000 total per accident $25,000 for property damage It’s what most people think of as “basic” or “legal minimum” auto insurance. And yes—it’s enough to register your car, get a loan, or avoid a ticket. But is it enough to actually protect you if you cause an accident? That’s w
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Let’s talk about minimum liability limits—what they are, how they work, and why they might not be enough if you’re in an accident. In Texas, the state minimum liability limits are 30/60/25: $30,000 for injury per person $60,000 total per accident $25,000 for property damage It’s what most people think of as “basic” or “legal minimum” auto insurance. And yes—it’s enough to register your car, get a loan, or avoid a ticket. But is it enough to actually protect you if you cause an accident? That’s w
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THE CAR MOTORBIKE COVERAGE YOU ACTUALLY NEED Most people have no idea that their current policy would bankrupt them in a serious accident. Here are the minimum levels of protection you should carry, especially if you drive regularly or ride a motorcycle: 1. UNINSURED / UNDERINSURED MOTORIST COVERAGE (UM/UIM) This is the most important part of your policy. Recommended: Match your liability limits. Never less than $100,000 / $300,000. This protects you when the other driver has no insurance or not
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