In Texas, it is state law to provide proof of insurance. If you are involved in an auto accident you will be required to show proof of insurance to the other individuals involved in the accident, or responding to the accident.
According to Texas Department of Insurance, the minimum amount of insurance coverage is $30,000 for injuries per person, up to a total of $60,000 per accident and at least $25,000 of coverage for property damage. Although this is the minimum amount of car insurance mandated by the state, it may be a good idea to buy additional liability coverage.
Additional liability coverage can be extremely beneficial in the event of a multi-vehicle accident or if a vehicle is totaled in the accident. Although the minimum outlined above will be sufficient for coverage purposes under Texas Law, if there is damage that exceeds the coverage another individual involved in the accident may sue you for damages.