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Texas Auto Insurance: Mandatory Auto Insurance Coverages

By Insurance.com Posted : 02/19/2007

Texas Bodily Injury & Property Damage Limits:

Bodily injury limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for bodily injury or death caused by an insured person in an auto accident.

Property damage limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).

Bodily Injury & Property Damage coverage:
$20,000 person/$40,000 accident/$15,000 property
$25,000 person/$50,000 accident/$25,000 property
$50,000 person/$100,000 accident/$50,000 property
$100,000 person/$300,000 accident/$50,000 property
$100,000 person/$300,000 accident/$100,000 property
$250,000 person/$500,000 accident/$100,000 property

In Texas a driver must have a minimum coverage of $30,000 for bodily injury to one person, $60,000 for bodily injury sustained by two or more persons in a single accident, and $25,000 for property damage that results from one accident. To adequately protect yourself, you may want to purchase much more than the minimum amount of coverage required for Texas.

Common Exclusions: Bodily injury and property damage coverages apply to injury and damage from normal use of the insured vehicle. Coverages are limited by your policy and there may be some circumstances in which coverage does not apply. For example, in some policies coverage does not apply to:

  1. Bodily injury or property damage arising out of the use of your vehicle while transporting people or property for a fee.
  2. Injury or damage caused by an intentional act.
  3. Injury or damage as a result of operating a vehicle owned by a person covered by your policy, where the vehicle is not listed on your policy.
  4. Injury or death of you or a family member.
  5. Property owned by, rented by or in the control of an insured person.

Please Note: This coverage definition is intended only as a guideline. All terms and coverages are defined solely by your policy.

*Coverage minimums displayed are the minimum available through insurers on Insurance.com.

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