Texas Auto Insurance Requirements

Texas law requires people who drive in Texas to pay for the accidents they cause.

If you buy insurance to meet the state’s financial responsibility law, you must buy at least the minimum amount. The current minimum liability limits are $30,000 for each injured person, up to a total of
$60,000 per accident, and $25,000 for property damage per accident.


Drivers may choose to purchase collision or comprehensive insurance, however, which will cover far more than liability insurance (including injury or property damage affecting the policyholder). Collision insurance covers physical damage to the policyholder’s vehicle.

Dealing with the Insurance Company

Insurance companies are notorious for offering the lowest possible settlements. Some may delay payment or even deny valid claims, and policyholders and claimants may feel as though there is nothing they can do to get a fair settlement.

This does not have to be the case after your car accident. Hiring an attorney shows the insurance company that you mean business, and with a legal professional to handle your claim and all communication with the insurer, you can focus on healing and spending time with loved ones – and moving on with your life.

Our team at Flores & Valentine, P.C. is particularly skilled in negotiating with insurance companies when handling our clients’ car accident claims. We know how to put enough pressure on a provider to pay a valid claim in a timely manner, and we have the resources to investigate the cause of a collision when liability is incorrectly assigned to our client. If a case must go to court, we are prepared to litigate on a client’s behalf in order to seek fair compensation.

You Need an Attorney

Instead of trusting that your insurance company will handle your claim, consider taking a proactive approach and involving an attorney. You may not need legal counsel after a minor fender bender in a parking lot, but if you were involved in a serious collision that left you injured and unable to work, you may run into any of a number of difficulties when trying to secure fair compensation.

Contact a car accident insurance claims attorney at our firm today to learn more about how we can help you.


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