Texas state law requires all drivers to have a minimum insurance coverage of:

• $25,000 in property damage,
• $30,000 per person,
• and $60,000 per accident in bodily injury coverage for accidents they are liable for.

However, it is not uncommon for medical expenses and property damage to go over those minimum requirements.

That is why it is highly recommended to get underinsured motorist coverage
so that you have a cushion to fall back on
when you are hit by a driver who does not have enough insurance to cover your vehicle damages or medical expenses.

Many drivers do not carry insurance that can fully cover significant damages,
and without underinsured motorist coverage,
you could be left paying for the rest of the costs out of pocket.