Let’s talk about minimum liability limits—what they are, how they work, and why they might not be enough if you’re in an accident. In Texas, the state minimum liability limits are 30/60/25: $30,000 for injury per person $60,000 total per accident $25,000 for property damage It’s what most people think of as “basic” or “legal minimum” auto insurance. And yes—it’s enough to register your car, get a loan, or avoid a ticket. But is it enough to actually protect you if you cause an accident? That’s w