Policy Limits Explained for Texas Car Accident Claims

Policy limits are simply the maximum amount an insurance policy will pay under a specific coverage. Limits often control the entire strategy in a case, especially when injuries are serious.

Texas minimum liability limits are 30/60/25

Texas requires at least 30/60/25 liability coverage, meaning $30,000 per injured person, $60,000 total per crash for bodily injury, and $25,000 for property damage.

What “per person” and “per accident” mean

Per person is the cap for one injured person. Per accident is the total cap for everyone injured in that crash under that coverage. In a multi-person crash, the per accident limit can become the real bottleneck even when everyone’s damages are higher.

Why policy limits change strategy

If the case value is higher than the available limits, the next question becomes where else recovery can come from. That may include UM/UIM coverage or other applicable policies depending on the facts.

Why rushing to settle can be dangerous

When limits are low, insurers often push to close the claim quickly. The risk is signing away rights before the medical picture is clear or before all coverages are identified. Strategy should start with confirming limits and coverage, then building the damages proof, then negotiating from an informed position.

How The Wooley Law Firm helps

We identify coverage early, confirm limits, and build a damages package that reflects the real impact of the injury. We also evaluate UM/UIM and other options when limits are not enough.

If you have questions about policy limits after a Dallas crash, contact The Wooley Law Firm. Free consultation. You do not pay unless we win. Call (214) 699-6524.

Frequently asked questions

How do I find out the at fault driver’s limits

It depends on the claim and the insurer’s process. In many cases, limits are disclosed during the claim evaluation or through formal requests.

What if there are multiple injured people

The per accident limit may cap the total available for everyone, even if each person’s damages exceed their share.

Can I use my UM/UIM if their limits are too low

Often that is when UIM becomes critical, depending on what you carry and what was rejected in writing.

Do policy limits cap the value of my case

Limits cap what the insurance policy pays. The legal value of the case may be higher, but collecting beyond limits depends on many factors.

This article is for general information only and is not legal advice. Every case is different.