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How Does Car Insurance Work in Texas?

Some people have never been in a vehicle accident. Though you’ve been paying for car insurance since you started driving a car, you might not know how the car insurance process works after a crash. Should you file a claim with your own insurer, or should you file a claim with the other driver’s auto insurance company?

How does car insurance work in Texas? That’s the question we are here to answer.

What Are the Automobile Insurance Coverage Minimums in Texas?

First things first: Who do you file a car insurance claim with? Texas is considered an at-fault state when it comes to car insurance claims, which means the person who is at fault is the one whose insurance is supposed to pay for damages. 

If you were at fault, your insurance would pay for the accident. If the other driver was at fault, their insurance would pay for the accident. 

This works well for most accidents, but there are exceptions. Sometimes, a driver will only carry minimum coverage as required by law. This coverage might not be enough to pay for your damages if you’ve been seriously injured. You might need to file your claim against other involved parties in order to receive enough money to pay for your damages.

Here are the minimum coverage limits in Texas:

  • $30,000 in coverage for injury to one person per accident
  • $60,000 in coverage for injury to more than one person per accident
  • $25,000 in coverage for property damage

What to Do if You’ve Been Injured in a Texas Car Crash

If you’ve been injured in an accident that you didn’t cause, you have the right to file a car crash claim against the person who was responsible. Filing your injury claim could win you a settlement to pay for the damages you’ve suffered. You will need to prove the fault of the party that caused the accident and prove your injuries and losses.

Contact a Car Accident Lawyer Near You

Now you know how car insurance works in Texas. Get assistance filing a car accident claim when you team up with a car accident attorney at Alex R. Hernandez Jr. PLLC. Receive a free case evaluation when you fill out the form on this web page or when you dial 361-792-3811.

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Main Office, Corpus Christi:


921 N. Chaparral Suite 100
Corpus Christi, Texas 78401

Phone: 361-454-1000

San Antonio Office:


700 N. St. Mary's Suite 1400
San Antonio, Texas 78205

Phone: 210-904-1000

Austin Office:


3800 N. Lamar Suite 200
Austin, Texas 78756

Phone: 512-543-1000

Edinburg Office:


204 E Cano
Edinburg, Texas 78539

Phone: 956-242-7000

Houston Office:


1700 Post Oak Boulevard 2 Blvd Place
Houston, Texas 77056

Phone: 713-660-7018

Laredo Office:


1100 Matamoros Suite 200
Laredo, Texas 78040-7804

Phone: 956-242-7000

Dallas Office:


2911 Turtle Creek Suite 300
Dallas, Texas 75219

Phone: 972-363-6616

Victoria Office


101 W. Goodwin Suite 750
Victoria, Texas 77901

Phone 361-575-3101

Port Lavaca Office


402 W. Main St.
Port Lavaca, Texas 77979

Phone 361-552-3100

Brownsville Office


222 N Expressway 77 Suite 100
Brownsville 78521

Main Phone 956-242-7000

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