Auto Insurance Claims in Texas: Guide

Texas Car Insurance Claims: Deadlines, Limits & Your Rights

Texas is an at-fault (tort) state that follows modified comparative negligence (51% bar), with minimum liability limits of 30/60/25 ($30,000 per person / $60,000 per accident / $25,000 property damage). Texas follows modified comparative negligence with a 51% bar. Texas has strong consumer protections including the Texas Insurance Code and Deceptive Trade Practices Act. Minimum coverage is 30/60/25.

How fault works in Texas

Texas is an at-fault (tort) insurance state, which means the driver who caused the crash is liable for the damages. You can pursue the at-fault driver's insurer directly (a third-party claim), file with your own insurer and let them recover from the other side through subrogation, or sue the at-fault driver.

You can recover as long as you were no more than 50% at fault; cross the 51% line and you recover nothing. Texas uses this more common version of the rule, so an even split of fault still leaves you able to claim.

Filing deadlines (statute of limitations)

Miss the deadline and you permanently lose the right to sue — adjusters know this and may run out the clock, so calendar these dates the week of your crash:

Statutory basis: Two-year statute. Tex. Civ. Prac. & Rem. Code 16.003.

Minimum coverage required in Texas

Every Texas driver must carry at least:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability
• Uninsured/underinsured motorist coverage is not required in Texas — but it's worth adding, since it pays when the at-fault driver has no insurance.
• Personal Injury Protection (PIP) is not required in Texas.

These are legal minimums, not recommendations; they often fall short of the cost of a serious crash.

Know your rights when dealing with adjusters in Texas

Texas is a one-party consent state, so you may legally record your own calls with an adjuster as long as you are part of the conversation — useful for keeping an accurate record of what the insurer promised.

Texas has a statutory bad-faith / unfair-claims-practices law, which can entitle you to penalties, interest, or attorney's fees when an insurer handles your claim improperly.

How to file your Texas claim, step by step

1. Make the scene safe and call 911. Get to safety, check for injuries, and report the crash. A police report is one of the strongest pieces of evidence you can have.
2. Document everything. Photograph all vehicles, the road, signage, and visible injuries; collect the other driver's insurance and license details and any witness contacts.
3. Get medical care promptly. See a doctor even if you feel fine — gaps in treatment are the first thing insurers use to argue your injuries aren't serious.
4. Notify your insurer. Report the crash quickly to satisfy your policy's notice rules, but stick to the facts and avoid speculating about fault.
5. File and track the claim. Submit your claim, keep a written log of every call, and don't accept the first offer without checking it against your actual damages.

Where to get help in Texas

If an insurer won't deal fairly, your regulator is Texas Department of Insurance. You can file a complaint at https://www.tdi.texas.gov/consumer/complfrm.html. General information: https://www.tdi.texas.gov.

Key takeaways for Texas

• Texas is an at-fault (tort) state using modified comparative negligence (51% bar).
• You generally have 2 years to sue for injuries and 2 years for property damage.
• Minimum liability limits are 30/60/25.
• UM/UIM is optional but recommended. PIP is not required.
• Your regulator for complaints is Texas Department of Insurance.

Educational information, not legal advice. Laws change — confirm current rules with Texas Department of Insurance or an attorney licensed in Texas. Last reviewed June 2026 · InsurifyAI Knowledge Hub.