Know Your Rights, Maximize Your Compensation
Commercial Vehicle Insurance Policy Limits in Texas
Accidents involving commercial vehicles typically lead to higher damages—and thus higher insurance policy limits. These policies are designed to reflect the greater risk and responsibility associated with commercial transportation.
In-State Commercial Vehicles (Texas Only)
For vehicles operating strictly within Texas state lines, the minimum liability insurance coverage for injuries stands at $500,000. This substantial amount provides a stronger safety net for victims, given the potential severity of such accidents.
Interstate Commercial Vehicles (Crossing State Lines)
When commercial vehicles travel across state borders, federal regulations dictate the insurance coverage limits based on vehicle weight and cargo:
- $300,000 – Trucks under 10,001 lbs carrying nonhazardous materials
- $750,000 – Trucks over 10,001 lbs transporting nonhazardous materials
- $1 million – Vehicles hauling oil
- $5 million – Trucks carrying hazardous materials
Passenger Vehicles
Insurance policy limits also vary for passenger transportation based on capacity:
- $5 million – Vehicles carrying 16 or more passengers (e.g., buses)
- $1.5 million – Vehicles transporting 15 or fewer passengers
These policy limits directly affect the compensation available after an accident, especially in severe or multi-victim cases.
Personal Vehicle Insurance Limits in Texas
Although personal vehicles are subject to lower policy limits than commercial ones, knowing what’s covered can help you understand your financial options after a crash.
Texas follows the 30/60/25 minimum liability insurance model:
- $30,000 – Maximum coverage per injured person
- $60,000 – Total injury coverage per accident (regardless of how many are hurt)
- $25,000 – Property damage limit
Why These Limits Matter
If you’re in a multi-passenger accident, the $60,000 cap may not be enough to fairly compensate all victims. Similarly, if your car suffers extensive damage, the $25,000 property limit might fall short of actual repair or replacement costs.
What If the Insurance Limits Aren’t Enough?
Can I Still Get More Money for My Car Accident?
Yes. Policy limits outline the minimum liability insurance carriers must pay—but they aren’t always the maximum compensation you can pursue.
You may be able to:
- File a personal injury lawsuit against the at-fault party
- Access your own underinsured motorist (UIM) coverage
- Hold third parties accountable, such as employers or product manufacturers
Legal expertise can be vital in identifying these additional compensation avenues.
Legal Help Can Make All the Difference
Insurance companies won’t always tell you what you’re truly entitled to—but we will. If you’ve been involved in a car accident and are unsure how policy limits affect your potential settlement, don’t face it alone. Knowledge of Texas insurance laws, combined with professional legal guidance, can significantly impact the success of your claim.
📞 Contact Us Today
If you’re searching for a trusted car accident attorney in North Houston, The Woodlands, Tomball, Cypress, FM 1960, or Galveston, reach out to Amir Tavakkoli of the A.T. Law Firm. We also represent clients across Harris, Montgomery, Liberty, Chambers, Galveston, Fort Bend, Waller, and Brazoria Counties.
Call (832) 800-5590 today for your free consultation. We’re here to protect your rights and maximize your recovery.
🔍 Learn More
For more information about Texas car insurance laws and minimum coverage requirements, visit:
https://www.expertinsurancereviews.com/texas-car-insurance-laws
