Do You Have Enough Liability Insurance?

Why Minimum Limits Can Leave Texas Families Exposed

Most people assume that if they have car and home insurance, they’re “covered.”
 But what many Texas families don’t realize is that minimum liability limits are often nowhere near enough when a serious accident happens.

At Kicker Insures Me Agency, one of the most common coverage gaps we see isn’t having insurance—it’s not having enough of it.

Let’s break down why higher liability limits matter, why uninsured drivers make this even more important in Texas, and how to protect your family and assets the right way.

What Are Liability Limits (and Why Do They Matter)?

Liability insurance pays for injuries or property damage you cause to others—whether it’s from a car accident, an incident at your home, or even something as simple as your dog biting someone.

In Texas, the minimum auto liability limits are often referred to as 30/60/25, meaning:

  • $30,000 bodily injury per person

  • $60,000 bodily injury per accident

  • $25,000 property damage

That might sound like a lot—until you consider the real cost of an accident today.

A single ER visit, surgery, or newer vehicle repair can easily exceed those limits, leaving you personally responsible for the rest.

Why Minimum Coverage Often Isn’t Enough Anymore

Here’s what we’re seeing more frequently:

  • Medical costs continue to rise rapidly

  • Lawsuits are more common—and more expensive

  • Vehicles cost significantly more to repair or replace

  • More families have assets worth protecting

If damages exceed your liability limits, the injured party can pursue:

  • Your savings

  • Your future income

  • Your home equity

  • Your investments

Liability insurance isn’t about protecting them—it’s about protecting you.

Texas Has One of the Highest Rates of Uninsured Drivers

Another major reason to consider higher limits—and the right coverages—is that Texas has one of the highest rates of uninsured drivers in the country.

That means there’s a very real chance you could be hit by:

  • A driver with no insurance at all

  • Or a driver carrying only the state minimum limits

Even if the other driver does have insurance, their limits may be far too low to cover your medical bills, lost wages, or long-term recovery costs.

Why Uninsured & Underinsured Motorist Coverage (UM/UIM) Matters

Uninsured and Underinsured Motorist coverage (often called UM/UIM) helps protect you and your family if you’re injured by:

  • A driver with no insurance

  • A hit-and-run driver

  • A driver whose insurance limits are too low

UM/UIM can help pay for:

  • Medical bills

  • Lost wages

  • Pain and suffering

A Real-World Example

What if your son or daughter were injured in an accident and needed two months of rehabilitation to recover?

If that accident was caused by a hit-and-run driver—or someone carrying only minimum limits—it could take a long time to ever see money from the other party, if you see it at all.

That’s why purchasing the right coverage ahead of time, as part of your auto policy, makes sense. It puts protection in place before your family needs it.

Who Should Strongly Consider Higher Liability Limits?

You should review higher liability limits if you:

  • Own a home

  • Have two or more vehicles

  • Have teenage drivers

  • Earn a higher income

  • Have savings, investments, or retirement accounts

  • Want protection if you’re hit by an uninsured or underinsured driver

If you’ve worked hard to build financial security, minimum coverage puts it at risk.

The Smart Way to Increase Protection

Most of our clients protect themselves by:

1. Increasing Auto & Home Liability Limits

Common options include:

  • $250,000 / $500,000

  • $500,000 / $500,000

2. Adding a Personal Umbrella Policy

An umbrella policy provides an extra $1–5 million of protection on top of your home and auto policies—and it’s often far more affordable than people expect.

In many cases, an umbrella policy costs less than a dollar a day.

The Bottom Line

Accidents happen. Uninsured drivers exist.
 What shouldn’t happen is finding out after the fact that your coverage wasn’t enough.

At Kicker Insures Me Agency, our mission is simple:
 Insurance made clear—so you’re confident in your coverage before you ever need it.

👉 Schedule a coverage review with our team and let’s make sure your liability limits and UM/UIM coverage truly protect what matters most.

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Are you ready to save time, aggravation, and money? The team at Kicker Insures Me is here and ready to make the process as painless as possible. We look forward to meeting you!

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