Yes, Texas insurance laws changed as of April 1, 2008.

Before April 1, 2008 Texas minimum insurance law required minimum liability limits of $20,000 per injured person, up to a total of $40,000 for everyone injured in an accident, and $15,000 for property damage. 20/40/15 coverage is how it was referred to.

The Texas Legislature amended the law and increased the minimum liability limits to $25,000 per injured person, $50,000 for everyone injured in an accident, and $25,000 for property damage. This is considered 25/50/25 coverage.

After April 1, 2008, when you purchases or renew your TX automobile insurance policy you will need to meet the new minimum liability limits.

In addition, Texas has implemented a new technology program that will allow law enforcement officers and designated state users to verify whether a person has car insurance immediately. The Texas Financial Responsibility Verification Program (FVRP) is a project developed by the Texas Department of Insurance (TDI), the Texas Department of Public Safety (DPS), the Texas Department of Transportation (TxDOT), and the Texas Department of Information Resources (DIR).