As of 2011, a Texas auto insurance policy must contain bodily injury coverage of $30,000/$60,000. If you are at fault for an auto accident, your policy will pay up to $30,000 for the medical bills of an individual injured. It will also cover up to $60,000 total for the medical bills of everyone hurt in the accident. The minimum requirement for property damage is $25,000. Your insurer will pay up to $25,000 for any property damage you caused in the accident.