The Texas Motor Vehicle Safety Responsibility Act was enacted to ensure all drivers are financially responsible for the death, injury, or property damage they may cause while operating a motor vehicle. All owners and/or operators of motor vehicles in Texas must have at least the minimum amount of liability insurance.
As of January 1, 2011, the minimum amount of liability insurance is:
• $30,000 against injury or death of one person
• $60,000 against injury or death of two or more individuals
• $25,000 against property damage
To comply with the Texas Motor Vehicle Safety Responsibility Act, a driver, unless exempt, must maintain liability insurance or be self-insured under the provisions of the Act. Evidence of financial responsibility must be presented at the time a person applies for a driver license, registers a motor vehicle, or obtains a motor vehicle inspection report.
Every owner or operator of a motor vehicle in Texas is required to furnish evidence of financial responsibility to a law enforcement officer upon request or to another person involved in a crash.