What If the Other Driver Only Has Minimum Insurance?

Added: 2026-05-23

[00:00:00]The driver who hit you only has $30,000 in coverage. Most people have no idea Texas only requires drivers to carry $30,000 in liability insurance. And if your injuries are serious, that number disappears fast. Here is the hard truth.

[00:00:14]If the other driver only has the minimum policy, you are limited to that $30,000.

[00:00:18]Even in a death case, you could try to go after their personal assets, but if they only carry minimum insurance, they probably do not have assets worth chasing. And if they have no insurance at all and you do not have uninsured motorist coverage, there is no recovery.

[00:00:32]Here is how you protect yourself right now. Add uninsured and underinsured motorist coverage to your own policy. It costs a little more each month, but that small addition could save you everything. After 26 years and 3,000 cases, I have seen this destroy families who thought they were covered. Call 713-226-8800.