The National Highway Traffic Safety Administration (NHTSA) reports that in 2014, there were 3,538 fatal traffic crashes in Texas alone, so chances are, even if you are a safe driver, you will be involved in one eventually. And if you are ever involved in one, you should know if and when you will need to report a car accident in Texas:
If you’re a driver in Texas, then you know that the state requires you to carry car insurance ($30,000 and $60,000 in bodily injury liability insurance per person and per accident, respectively, and $25,000 for property damage). What you might not know, though, is whose car insurance pays for injuries in the event that an accident does happen when both parties have insurance.
When you ask your insurance agent how much insurance you should buy, know that vehicle owners in Texas are required to have a minimum of $30,000 for each injured person, $60,000 per accident, and $25,000 for property damage. However, the minimums are often not enough to adequately cover your needs should a car accident occur.
You’ll want to carry enough insurance to meet the minimums and purchase additional coverage accordingly to your needs and budget.