Every licensed driver in Texas is required to carry minimum insurance coverage. This includes liability coverage. If you caused the collision, this portion of your policy pays the medical bills of those injured in the crash, as well as damage to the other driver’s car. If you were injured in a crash, your lawyer would file a claim against the liability coverage in the at-fault driver’s insurance policy. The minimum amount required in Texas is $30,000 bodily injury per person and $60,000 per accident, as well as $25,000 for property damages per accident. These limits could be too low if you are involved in an accident with more than one vehicle or if the other driver suffers serious injuries. You may consider buying higher limits for better protection of your financial assets – most drivers purchase more than the minimum. Other coverage you can purchase for additional protection: Collision coverage pays to repair or replace your car after a car crash. Comprehensive coverage compensates you if your car is stolen or damaged in other situations, such as by fire or vandalism. Personal Injury Protection (PIP) helps to pay the medical bills for you and any passengers in your car, as well as lost wages if you cannot work while recovering from your injuries. Unless you reject it in writing, your policy includes PIP coverage. Uninsured/underinsured motorist coverage (UM/UIM) this coverage protects you if you are hit by a driver who is either uninsured or who has too little insurance to cover your medical costs or car repairs. While every insurance company must offer this coverage, if you want to exclude it from your policy, you must do so in writing.