Rich Hyde | June 11, 2026 | Car Accidents
Car insurance is one of the most important resources available after a car crash. Texas follows an at-fault insurance system. Under this system, the driver who causes a collision is generally responsible for the damages resulting from the accident.
What Are Texas’s Minimum Liability Coverage Requirements?
Texas has specific rules and coverage requirements for drivers. Currently, drivers must carry a minimum insurance policy of:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage
These limits are commonly referred to as 30/60/25 coverage. Many drivers choose to purchase higher limits and additional coverages to help protect them in the event of a crash.
Optional Forms of Coverage
Common optional coverages include:
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Medical payments coverage
- Rental reimbursement coverage
- Roadside assistance
Many of these are first-party coverages, meaning that your own insurer will provide compensation for specified losses (rather than another driver’s).
The Car Insurance Claims Process
After a car accident, you will begin the insurance claims process by reporting the collision to the appropriate insurance company. The insurance company will then review the claim and investigate to determine whether it is liable for your damages.
In assessing liability, the insurer may:
- Examine the police crash report
- Review photographs and video footage of the accident scene
- Inspect vehicle damage
- Interview drivers, passengers, and witnesses
- Obtain recorded statements
- Review medical records and treatment history
- Assess the severity of the injuries claimed
- Determine whether any pre-existing conditions may be involved
- Analyze lost wages and employment documentation
- Review applicable insurance policies and coverage limits
After investigating, the insurer may accept liability and offer a settlement. Alternatively, it may dispute liability and decline to provide coverage.
What Liability Insurance Covers After a Crash
Depending on the circumstances of the crash, accident victims may be entitled to recover damages for:
- Hospital expenses
- Ambulance transportation costs
- Surgical procedures
- Physical therapy and rehabilitation expenses
- Future medical treatment
- Lost wages resulting from missed work
- Reduced earning capacity
- Vehicle repair or replacement costs
- Pain and suffering
- Emotional distress
- Permanent disability or disfigurement
- Loss of enjoyment of life
- Wrongful death damages
The best way to determine what damages your insurance policy will cover is to speak with an experienced car accident attorney. However, even if your policy is supposed to cover your losses, your insurer may still dispute liability or undervalue your damages, which makes it especially important to have legal representation to protect your rights.
Comparative Fault in Texas
Shared fault can become an issue in some insurance claims. Texas uses a modified comparative fault system for accidents involving more than one at-fault party. That means you may recover damages if you are not more than 50 percent responsible for the accident.
However, your compensation will be reduced according to your percentage of fault.
For example, suppose your total damages are $100,000, but you are 20% at fault for the crash. In this case, your recovery will be limited to $80,000 (80%).
Call Trial Tribe Injury Lawyers to Arrange a Free Consultation With a Fort Worth Car Accident Lawyer
Insurance companies do not always make the claims process easy. If you were injured in a car accident, Trial Tribe Injury Lawyers can help protect your rights and pursue the compensation you deserve.
For more information, contact Trial Tribe Injury Lawyers to schedule a free consultation with a Fort Worth car accident lawyer in Fort Worth, TX, today.
We are proud to serve clients throughout Fort Worth, Tarrant County, and the surrounding communities in Texas.
Trial Tribe Injury Lawyers – Fort Worth
4528 W Vickery Blvd, Fort Worth, TX 76107
(817) 400-5000
Available 24/7
Trial Tribe Injury Lawyers – Coppell
202 W Sandy Lake Rd ste 105, Coppell, TX 75019
(817) 400-5000
Available 24/7