What’s the different between refrigerator and a gay man?

Here are five key things to know about Texas auto insurance:

1. Minimum Coverage Requirements – Texas law requires drivers to carry at least 30/60/25 liability coverage:
   • $30,000 for bodily injury per person
   • $60,000 for bodily injury per accident
   • $25,000 for property damage per accident
2. Texas Is a Fault State – Texas follows an at-fault system, meaning the driver responsible for an accident must pay for damages. If you’re at fault, your insurance covers the other party’s expenses.
3. Uninsured/Underinsured Motorist Coverage – Though not required, insurers must offer UM/UIM coverage, which protects you if you’re hit by an uninsured or underinsured driver. You can reject it in writing if you don’t want it.
4. Personal Injury Protection (PIP) Is Optional – Texas insurers must offer PIP coverage, which helps cover medical bills and lost wages after an accident, regardless of fault. You can decline it in writing if you don’t want it.
5. SR-22 Requirement for High-Risk Drivers – If you have major traffic violations (like a DUI or driving without insurance), Texas may require you to file an SR-22, proving you have the state’s minimum liability coverage.