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Texas Auto Liability Insurance Limits Increase January 1, 2011

Here’s a sliver of good news for people who may get involved in a car wreck in 2011 or after. The automobile insurance liability limits that were raised from the decades-old minimum of $20,000 to $25,000 in 2008 will increase again, to $30,000 effective January 1, 2011. This will be for policies written or renewed after that date.

The minimum limits in Texas have lagged behind inflation for many years, but are now at least showing some movement. The bad news is that this is the last increase mentioned in the law, and it will take a new law to increase the limits further.

The new limits are $30,000 per person, $60,000 per incident, and $25,000 for property damage.

$30,000 doesn’t go very far in paying for even a brief hospital stay, and $25,000 certainly isn’t enough to pay for the damage to a luxury car, but at least we got a small increase from the Legislature.

Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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