Do You Have Enough Auto Insurance Coverage?

Do You Have Enough Auto Insurance Coverage?


Your auto liability is the most important part of your auto policy coverage. Although drivers are required to carry minimum limits set by the state of Texas, these amounts seldom provide enough coverage to adequately protect all the things you have.

What does this mean? If you or anyone driving your vehicle is in an accident and is at fault, the most your policy would pay for injuries or damages to the other party is $30,000 per person, $60,000 per accident, and a maximum of $25,000 to cover the damage to their property. The property damage could be their auto, a light pole, fence, or any other type of property not owned by you or services like traffic control or sweeping up glass after an accident. For example, I know a teenager who lost control of her dad’s 1967 Barracuda and accidentally drove it through a corn field which damaged 130 bushels of corn. The property damage liability coverage paid the farmer for 130 bushels of damaged corn at the current market rate.

What if it were a multiple-vehicle accident involving injuries? The policy above would pay up to $30,000 per person for injuries between all parties and a maximum $60,000 per accident. If their medical bills exceed these limits you could be sued for the difference. Similarly, if the damage caused to the other parties’ property exceeds your $25,000 property damage limit you could be sued for the difference.

Liability insurance is the most important coverage you will ever buy. It helps protect your assets from being taken away from you. It is important to figure out what you have to protect and, and decide if you wish to purchase insurance to protect it.

Linda L Morrison
Morrison Insurance Group, PC
4535 S. Padre Island Dr, Ste 37
Corpus Christi, TX 78411
Tel: 361-854-2383
Fax: 361-854-1824
Located on SPID between Weber and Everhart

9450 S. Padre Island Dr, Ste 1
Corpus Christi, TX 78418
Tel: 361-937-8052
Fax: 361-854-1824
Located in Flour Bluff

3550 S. Alameda St
Corpus Christi, TX 78411
Tel: 361-854-0918
Fax: 361-854-1824
Located across from Driscoll Children’s Hospital
Our Digital Card

Mobile Service Team