Most states, including Texas, require that every automobile have a minimum amount of auto liability insurance. These numbers represent different limits on your policy. If you have limits on your auto policy of 30/60/25, it means you have $30,000 per person, $60,000 per accident and $25,000 property damage limits. If you cause an accident, your auto insurance will provide payments up to those limits to the other person(s) for the injuries/damage you caused to them or their property. Definitions: • Per person, the amount of insurance to pay for injury to others •Per accident, the amount of insurance you have for the total accident • Property damage, the amount of insurance you have to pay for the other persons car Do drivers with minimum liability insurance have enough coverage for most accidents? What are the plaintiff/client's options if she has damages greater than the defendant's policy limits?