Texas requires proof of financial responsibility. Most drivers satisfy that requirement with liability insurance carrying at least $30,000 for bodily injury to one person, $60,000 for bodily injury per accident, and $25,000 for property damage.

• Confirm the declarations page, covered vehicle and actual liability limits.
• Texas auto policies include personal injury protection unless rejected in writing.
• Insurers also must provide UM/UIM coverage unless the named insured rejects it in writing.
• Investigate household, employer, commercial, umbrella and excess coverage when the facts support additional policies.

Primary Texas Sources

• Texas Department of Insurance — Auto Insurance Guide
• Texas Insurance Code ch. 1952 — PIP and UM/UIM

Current-law review: September 16, 2026. Confirm the policy actually issued and any signed PIP or UM/UIM rejection.