## What the minimum actually is
Texas sets a liability floor. It is the least you can legally carry, not what is sensible.
## What the minimum does not cover
No damage to your own vehicle. No theft. No medical expenses. Most people find this out after a claim.
## Why people get underinsured
Because the minimum passes inspection. Passing a requirement and being adequately covered are different things.
### A realistic comparison
Compare the cost of the minimum against one full liability limit. The difference is usually smaller than people assume.
## Frequently Asked Questions
### Is the minimum enough?
It meets the law. Whether it protects your assets is a separate question.
### Can I change later?
Yes, at any time. Raising limits mid-term is straightforward.
### Do all insurers offer the same minimum?
The limits are the same. The price is not.