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While vehicle insurance doesn’t prevent car accidents, it mitigates the financial impact of bodily injury and physical damage on the parties involved. Therefore, carrying minimum auto insurance is a moral and legal obligation for vehicle owners in Texas.
If you’ve sustained an injury in a vehicle crash caused by someone else’s negligence, always speak to a trusted car accident lawyer in Austin.
Minimum coverage. To cover both personal liability and property damage, drivers must maintain a minimum level of auto insurance. The bare minimums are:
The above coverage is also called 30/60/25 coverage.
You can enhance your protection using the following coverage:
Anyone driving without insurance is liable for a misdemeanor offense, which carries a $175-$350 fine. Subsequent offenders need to pay up to $1000 in fines.
Drivers found guilty of driving without insurance are often required to file form SR-22 for two years after the date of their recent conviction.
Additional driver consequences for failing to maintain insurance include:
According to a 2023 study, 14 percent of motorists, or one in seven drivers, were uninsured.
In Texas, 13.8 percent of drivers were uninsured in 2022.
If involved in an accident with an uninsured driver, there are avenues to protect your right to compensation. First, you can contact your insurer, which can provide compensation through uninsured or underinsured motorist coverage.
Uninsured motorist coverage covers accident-related losses if the other driver doesn’t have insurance. On the other hand, underinsurance motorist coverage pays for losses if the other driver has insufficient coverage.
Alternatively, you can work with a car accident attorney to file a lawsuit against the at-fault driver. A judge or a jury can issue an order compelling the at-fault party to cater injury-related losses using their wages or assets.
Your quality of life is likely to worsen after you sustain an injury in a car accident caused by a speeding driver. An experienced car accident attorney will preserve your right to compensation by all means, including filing a lawsuit against the at-fault driver.
TK Injury Lawyers have decades of experience representing car accident victims, which gives us the confidence to protect your rights.
Contact us online or at (512) 900-4658 for a free consultation.
Trent Kelly obtained his law degree from the University of Arkansas in 2007. He is licensed to practice law in Texas and regularly assists clients with their legal matters. Trent’s practice is primarily focused on personal injury matters – particularly those involving motor vehicles (such as cars, commercial trucks, 18-wheelers, and motorcycles) and wrongful death – but he also handles various business litigation matters as well. Click here to take a look at some complex cases Trent has resolved. Years of experience: +15 years Location: Austin, TX
Trent Kelly
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by attorney Trent Kelly, who has more than 15 years of legal experience as a practicing personal injury trial attorney.
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