To legally drive in Texas and throughout the country, drivers are required to carry auto insurance that protects them and others in the event of an accident.

Unfortunately, auto insurance agencies find that many drivers, while carrying a policy that meets the state’s minimum insurance requirement so they can legally drive, are underinsured.

Drivers frequently realize that their personal auto insurance coverage is not sufficient when they need it most, which is right after an accident.

Is The Minimum Auto Insurance Requirement Enough?

While the state of Texas mandates that drivers carry a minimum amount of liability auto insurance, that amount is rarely enough to protect those drivers.

As auto insurance agents see time and time again, many drivers end up underinsured after an accident, especially if it is an at-fault accident.

This is largely due to the fact that vehicle parts, repair costs, medical care, and other costs continue to rise while the state personal auto insurance coverage minimum has remained the same.

In many cases, drivers who believe they are well-protected can actually end up with massive expenses afterward if their policy does not pay enough for damages caused in an auto accident.

How Much Insurance Should A Texas Driver Have?

Determining how much auto insurance a Texas driver should carry can be challenging because every driver’s personal situation as well as their level of driver risk is different.

In addition, there are many different types of insurance that can be added to a personal auto insurance policy to provide other essential coverage that can be helpful for keeping costs down for drivers involved in auto accidents.

The best solution is for Texas drivers to work with an experienced auto insurance agent who can help them decide what their best options are to be adequately protected on the road and how to afford that coverage.

Minimum Coverage on Texas Auto Insurance Policies

In this short video, partner Brad Hurt of Service Insurance Group discusses the problems with minimum auto insurance policies and what drivers should do about them to ensure they are adequately protected when driving.

Get The Right Coverage From An Experienced Auto Insurance Agency

The minimum auto insurance coverage mandated by the state of Texas may not be enough to fully protect drivers who are involved in a car accident.

Sadly, most Texas drivers are unaware of the rising costs to repair vehicles nor the cost of necessary medical treatment that make that basic minimum coverage so inadequate.

To avoid this, drivers should protect themselves with a personal auto insurance policy that protects them in the event of a chargeable accident.

A well known local auto insurance agency can help drivers assess their actual needs and find a policy that is right for them.