TEXAS AUTO INSURANCE & CRASH LAW
Texas Auto Insurance & Crash Law
A practical public-interest guide to Texas automobile insurance, crash claims, coverage, fault, damages, deadlines and settlement.
TEXAS RESEARCH LIBRARY
Current 22-Topic Library
Use these issue pages as the current VictimsGuide navigation for Texas. The state hub remains the permanent doorway into the jurisdiction.
Texas Auto Insurance & Crash Law
VictimsGuide’s Texas library organizes the rules that matter after a motor-vehicle crash: compulsory liability insurance, UM/UIM, PIP, proportionate responsibility, claims handling, employer and commercial coverage, government claims, damages, liens, settlement and case authority.
Texas rules to identify early
- Minimum liability: Texas requires at least 30/60/25 liability coverage.
- PIP: Texas auto policies include personal injury protection unless the coverage is rejected in writing.
- UM/UIM: insurers must offer uninsured/underinsured motorist coverage; rejection must be in writing.
- Proportionate responsibility: a claimant may not recover if the claimant’s responsibility exceeds 50%; otherwise damages are reduced by the assigned percentage.
- Commercial and government claims: employer, trucking, rideshare and public-entity crashes require separate coverage, statutory and procedural analysis.
Current-law review: September 17, 2026. Verify current Texas statutes, Texas Department of Insurance guidance, appellate authority and the policy actually issued before relying on this educational guide.
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