The short answer to this question is: whatever the minimum liability requirements are in the state that you live in. In Texas, the minimum liability limits are a split limit of 30,000/60,000/25,000. The first two limits address bodily injury liability which means that if you get into an accident that is your fault and the other party sustains bodily injury, your insurance company will pay up to $30,000 worth of damages for each person that is hurt in the accident and a maximum of $60,000 for all of the individuals that are injured from the accident. The third limit addresses property damage liability, which means that if you cause damage to another vehicle in an accident, the maximum amount that your insurance company will pay to repair or replace that vehicle is $25,000. Watch Anais explain with an example below:

However, with the rising cost of medical care and the number of cars on Texas roads that are worth well over $25K, it is apparent that these limits do not provide adequate coverage in the event of an accident, which brings us to the second answer to our question - the amount of liability insurance that you "need" really depends on how much risk you want to take on. Once your policy limits are exhausted, the other party is going to come after YOU and your assets to pay for the remainder of their damages. The last thing you want to do is find yourself in a legal battle riddled with emotional and financial distress. 

For just an extra $10-20 per month, you could save yourself from a potential nightmare and have peace of mind that your assets are properly protected. Learn more about auto liability insurance, contact our office today, or fill out the quote request form on our website so we can shop around for the right auto insurance policy for you.