Texas House Bill HB4178

Texas 2025 - 89th Regular

• Filed: 3/10/25

Caption

Relating to the minimum motor vehicle liability insurance coverage requirement for bodily injury or death or for damage to or destruction of property of others.

Impact

If enacted, HB 4178 will have significant implications for existing state laws concerning motor vehicle insurance. It is expected to raise the minimum coverage limits that drivers must maintain, which could result in increased insurance premiums for consumers. The intention behind this change is to provide better financial coverage for individuals affected by motor vehicle accidents and to lessen the economic burden on victims who may not currently receive sufficient compensation for their injuries or damages.

Summary

House Bill 4178 aims to revise the minimum motor vehicle liability insurance coverage requirements, specifically focusing on coverage for bodily injury or death, as well as property damage or destruction. This bill seeks to establish new standards that will dictate the minimum amount of insurance drivers must carry to ensure both their protection and that of other road users. The introduction of this bill comes in recognition of the growing concerns regarding road safety and the financial implications of vehicular accidents.

Contention

Debate around HB 4178 may revolve around the balance between ensuring adequate insurance coverage and the affordability of such coverage for drivers. Proponents of the bill argue that higher coverage limits are essential for protecting motorists and ensuring that victims of accidents receive fair compensation. However, opponents may express concerns that these changes could lead to higher costs for drivers, potentially making vehicle insurance unaffordable for some. Additionally, the potential impact on low-income individuals who may struggle to meet increased insurance requirements could be a point of contention during deliberations.

Texas Constitutional Statutes Affected

Transportation Code

• Chapter 601. Motor Vehicle Safety Responsibility Act
  • Section: 072