Is there a minimum level of coverage that is required by law?

Yes, there is a minimum level of coverage that is required by law in Texas. The Texas Department of Insurance has set certain standards that must be met when it comes to providing insurance coverage. These standards include a minimum amount of liability protection, no-fault coverage, uninsured motorist coverage, personal injury protection, and collision and comprehensive coverage. The state of Texas also has a Financial Responsibility Statute, which requires drivers to carry proof of financial responsibility when operating a motor vehicle. This means that drivers must have proof of insurance with a minimum level of liability coverage. For cars and trucks, this coverage must include a minimum of $30,000 for injuries or death per person, $60,000 for injuries or death for two or more persons, and $25,000 for property damage. This level of coverage is often referred to as “30/60/25” coverage. In addition, drivers must also have uninsured motorist coverage in case they are involved in an accident with someone who does not have insurance. This coverage must include a minimum of $30,000 for injuries or death per person, and $60,000 for injuries or death for two or more persons. Finally, there is also a requirement for medical payments coverage. This coverage is designed to cover any medical expenses that may be incurred as a result of an accident. The minimum level of medical payments coverage that must be carried in Texas is $2500. Overall, Texas has minimum levels of insurance coverage that are required by law for drivers to be able to legally operate a motor vehicle. These requirements help to protect drivers in the event of an accident and ensure that they are able to pay for any necessary medical expenses as well as damages in the event of a lawsuit.

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