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I was just on the Texas Department of Insurance Website looking at the requirements and one statement really stuck out to me.  The Minimum requirements for Liability Insurance in Texas are 30,000/60,000/25,000.  This means that in an event that is your fault your insurance will pay $30,000.00 per person, up to $60,000 per incident, and will cover up to $25,000 in property damage.  Now immediately following the statement the web-site also suggests that this coverage may not be enough and discloses that you can be sued for the difference.   It recommends that you buy more coverage.  Which begs the question why buy minimum coverage.  When I worked at a major health insurance carrier we were given a statistic that the average claims from a serious car accident ranged between $350,000 and $450,000 per person.  In terms of property damage you may want to consider not only that there are a lot of cars on the road that are valued at more than $25,000, but property damage also includes things like highway signs, light-posts, or what if there are more than 1 vehicle involved.  

To Learn more about how you can find affordable auto insurance in Dallas, Austin, Houston, Fort Worth, and other parts of Texas call or contact the Garsys Agency at 800-749-0053.  
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