bill raising minimum car liability insurance

The text as introduced · 253 words

89R12996 SCR-F

By: LaHood
H.B. No. 4178

A BILL TO BE ENTITLED

AN ACT

relating to the minimum motor vehicle liability insurance coverage

requirement for bodily injury or death or for damage to or

destruction of property of others.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 601.072(a-1), Transportation Code, is

amended to read as follows:

(a-1) Effective January 1, 2026 [ 2011 ], the minimum amounts

of motor vehicle liability insurance coverage required to establish

financial responsibility under this chapter are:

(1) $50,000 [ $30,000 ] for bodily injury to or death of

one person in one collision;

(2) $100,000 [ $60,000 ] for bodily injury to or death

of two or more persons in one collision, subject to the amount

provided by Subdivision (1) for bodily injury to or death of one of

the persons; and

(3) $40,000 [ $25,000 ] for damage to or destruction of

property of others in one collision.

SECTION 2. Section 601.072(a-1), Transportation Code, as

amended by this Act, applies only to establishment of financial

responsibility under Chapter 601, Transportation Code, with an

insurance policy delivered, issued for delivery, or renewed on or

after January 1, 2026. Establishment of financial responsibility

with an insurance policy delivered, issued for delivery, or renewed

before January 1, 2026, is governed by the law as it existed

immediately before the effective date of this Act, and that law is

continued in effect for that purpose.

SECTION 3. This Act takes effect September 1, 2025.