| The driver who hits you is legally allowed to carry $30,000. A serious motorcycle crash costs ten times that. Here’s the math. |
WHAT THE TEXAS MINIMUM LIMITS ACTUALLY MEAN
When someone says a driver has “minimum limits” in Texas, they mean 30/60/25:
| The Number | What It Covers | The Reality |
| $30,000 | Maximum per injured person | One surgery. One helicopter medivac. Gone. |
| $60,000 | Maximum per crash total (shared) | If you and a passenger are both hurt, you split this |
| $25,000 | Maximum for property damage | May not cover your bike plus gear |
WHAT A SERIOUS MOTORCYCLE CRASH ACTUALLY COSTS
| Medical Event | Typical Cost |
| Ambulance/helicopter medivac | $15,000 – $50,000 |
| Emergency room visit with imaging | $8,000 – $25,000 |
| One surgery (fracture, shoulder, spine) | $40,000 – $150,000 |
| Physical therapy (3–6 months) | $15,000 – $35,000 |
| Lost wages (3 months) | Depends on income |
| Total for moderate-serious crash | $150,000 – $400,000+ |
THE GAP — AND HOW TO FILL IT
The difference between what the at-fault driver’s minimum policy covers and what your injuries actually cost comes from one place: your own UM/UIM coverage.
- UM/UIM (Uninsured/Underinsured Motorist) coverage on YOUR policy pays the gap
- Texas requires insurers to offer it, but you have to actually carry it
- Recommended: match your liability limits — if you carry 100/300, carry 100/300 UM/UIM
- Without it: the gap comes out of your savings, your home, your retirement
THE ONE CALL THAT CHANGES THIS
Call your agent today. Ask: “Do I have UM/UIM coverage and what are my limits?” If the answer is no, add it. The cost difference is often less than $20 per month. The protection difference is everything.
| Road Justice Tip: You cannot control whether the driver who hits you carries good insurance. You can absolutely control whether you are protected when they don’t. UM/UIM is that protection. Add it today. |
Contact a skilled Texas motorcycle accident attorney— even if you never hire us.