If you were at-fault for an accident, your liability insurance coverage will cover the other driver’s or injured party’s medical bills, lost wages, pain and suffering, property damage and other losses. 

Minimum Liability Coverage in Texas

In Texas, the liability minimum coverage, if you injured the other driver or party is $30,000 per person and $60,000 per accident. 

The liability minimum coverage for property damage is $25,000. 

The property damage limits include repair or replacement of the other driver’s vehicle, towing and storage fees, rental car coverage, and any other repair or replacement of property that was damaged in the accident (e.g., passenger compartment contents, fences, signs, trees, buildings, etc.).

Additional Coverage

Of course, you can always buy more than the minimum coverage, such as $50,000 per person and $100,000 per accident and $50,000 in property damage liability coverage, and that is highly recommended to protect your assets, if the other party chooses to sue you.

If you were the at-fault party, your vehicle is damaged or totaled, and you have “full coverage” or collision coverage, you’ll want to file a claim with your insurance company to repair or replace your vehicle. 

Remember, if you use this coverage, there is a deductible (usually $500 to $1,000) that needs to be paid, which will need to be paid after the repair shop finishes repairing your vehicle or will be deducted from the amount paid to you to replace your vehicle if it’s totaled. Collision coverage covers damage to your vehicle from a collision with another vehicle or other object while operating it.

If You’re Not At Fault

If you weren’t the at-fault party, and especially if you’re injured, it is highly recommended that you hire a personal injury attorney to handle your case. 

Filing a claim with the other driver’s insurance company or your own insurance company, if the at-fault party doesn’t have insurance can be very tricky. 

It is recommended that you do not talk to the responsible party’s insurance company at all.  They will attempt to call you and send you letters to get information from you that they’ll likely use against you. 

Remember, the insurance adjusters are not your friend even as nice as they can be while talking to you.  They will do anything they can to avoid paying your claim.  Avoid talking to the other driver’s insurance company and DO NOT let them do a recorded statement with you. 

If the other driver does not have insurance and you use your own uninsured motorist coverage to cover your bodily injury or property damage, they may require that you give a statement. 

Many times, insurance companies will take their time investigating a claim when the parties do not respond to their requests for statements on how the accident occurred.  This can be frustrating.

If you feel that you can handle your own case, it’s important to be as brief as possible and only give the facts of the accident. Tell the truth. Try not to speculate as to what happened and be consistent in telling your side to the story (refer back to your notes, as mentioned above).

Be very brief and general in discussing your injuries, if you do not hire a lawyer. Since we aren’t trained medical professionals, it’s difficult to properly express our treatment status or injuries.

It’s best to let the insurance company evaluate records from healthcare professionals in order to evaluate your claim.  Remember it’s the insurance adjuster’s job to pay as little as possible in any bodily injury or property damage claim. Also, keep in mind that if you accept an offer verbally from the adjuster, it’s binding.  


You do not have to face a serious injury case alone. Contact our attorneys for a free consultation about how we can help you. Call (713) 489-4270 to speak to our Houston personal injury attorneys directly.

Author Photo

Anthony Milano

Anthony is a Texas and Florida personal injury attorney, concentrating on motor vehicle accidents. In particular, Anthony handles lawsuits for victims of car accidents, truck accidents, motorcycle accidents, pedestrian accidents, and bicycle accidents.

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