In Texas just over 14% of drivers do not carry auto insurance. If you are caught driving without insurance, you will receive a fine plus an annual surcharge. Even for a first time offense, the charges will be over $1,000, and they increase each time. It is cheaper to carry at least a minimum liability policy.
In Texas, the minimum liability policy will cover up to $30,000 bodily injury per person, up to a total of $60,000 and will provide coverage for property damage up to $25.000. Some drivers carry larger policies. But, these are the minimum standards required by law.
If you have been in a serious accident, you will quickly discover that these minimum policies do not cover the cost of you vehicle, let alone you medical expenses and losses. Additionally, most people do not have other assets or money which you can recover in a lawsuit. They are what we call judgment proof.
To protect yourself, we advise that you carry insurance to protect you and your passengers, from not only the uninsured drivers, but the under insured drivers out there. Both Personal Injury Protection (PIP) and Un/Under Insured Motorist are coverage worth having on your insurance policy. These policies are in place to protect you and your passengers and not the other vehicle.