Auto Insurance Requirements for Fort Worth

If you are shopping for Fort Worth car insurance, it can be helpful to know what the minimum car insurance requirements are so that you can try to stay as close the minimum coverage as possible, thus saving you money on your premium. All that the state of Texas requires you to have is liability coverage in the form of 25/50/25. Keep in mind that liability coverage does not protect you, but those around you. Also, it only applies if you are found to be the guilty party in an accident (at-fault).

When you shop for Fort Worth car insurance you will often see liability coverage in the aforementioned A/B/C form. The minimum amount of 25/50/25 means that you must have <i>at the very least</i>, $25,000 in bodily injury liability for one person in an accident, $50,000 in bodily injury liability for all people in an accident, and $25,000 in property damage liability. Bodily injury coverage pays for the medical expenses, pain and suffering, and/or  income lost. Property damage liability pays for the cost to repair or replace other peoples’ cars. It also pays for the cost to repair or replace damage done to stationary property such as fences or buildings.

Is 25/50/25 enough coverage to have? Unless you have enough cash or assets to pay for expenses in potential serious accidents in the future, it is best to have more than the required amount. Insure.com recommends that you have 100/300/50 in liability coverage.

When shopping car Fort Worth car insurance, you have other insurances to consider such as collision, comprehensive, uninsured/underinsured motorist, and/or PIP.