Texas law requires all drivers to have car insurance. The minimum insurance coverages are $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. This basic coverage is referred to as 30/60/25. While this is the minimum required by law, it might not be enough to cover all the costs of an accident. There are various other types of insurance to consider, such as collision, comprehensive, uninsured or underinsured motorist, medical payments, and personal injury protection.
Characteristics | Values |
---|---|
Minimum liability coverage | 30/60/25 |
Bodily injury liability per person | $30,000 |
Bodily injury liability per accident | $60,000 |
Property damage liability per accident | $25,000 |
Proof of insurance | Required during traffic stops, accidents, vehicle registration, and renewal |
What You'll Learn
Minimum liability coverage of $30,000 per injured person
In Texas, drivers are legally required to carry a minimum of $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident. This is known as the 30/60/25 basic coverage. This means that if you are at fault in an accident, your insurance will cover the other driver's medical expenses, up to $30,000 per person, with a total of $60,000 for all injured parties. This coverage also includes lost wages and pain and suffering compensation.
While this is the minimum required by Texas law, it is important to consider purchasing additional coverage. The cost of medical care and car prices are high, and the minimum coverage may not be sufficient to cover all the costs if you are at fault in an accident. In such cases, other drivers could sue you to collect the difference. Therefore, it is recommended to buy more than the minimum limits to protect yourself financially.
Liability coverage only pays for the other driver's expenses and does not cover the cost of repairing or replacing your car or treating your own injuries. To protect yourself in these situations, you may want to consider additional types of coverage, such as collision coverage, comprehensive coverage, uninsured or underinsured motorist coverage, medical payments coverage, and personal injury protection.
It is also important to note that you are required by law to provide proof of insurance when requested by law enforcement officials. Failure to carry the required coverage can result in penalties, including fines, suspension of your driver's license and vehicle registration, and higher insurance premiums.
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$60,000 per accident
In Texas, drivers are legally required to carry auto liability insurance to cover the cost of accidents they cause. The minimum coverage, often referred to as 30/60/25, includes $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident. This means that if you are at fault in an accident, your insurance will cover up to $30,000 per injured person, with a maximum of $60,000 total for all injuries in the accident, and $25,000 for any property damage that occurs.
The 30/60/25 coverage is the basic requirement in Texas, but it is important to note that this may not be sufficient in all cases. The cost of car repairs and medical care can quickly exceed these minimum limits, especially in accidents involving multiple people or serious injuries. As such, it is recommended that drivers consider purchasing additional coverage to protect themselves financially.
Liability insurance only covers the other driver's car and injuries and does not provide any coverage for your own vehicle or injuries. To cover yourself, you can add insurance such as personal injury protection (PIP), uninsured or underinsured motorist coverage, medical payments coverage, collision coverage, and comprehensive coverage. These additional types of insurance can help pay for your medical bills, lost wages, car repairs, or replacement of your vehicle.
When deciding how much insurance coverage to purchase, it is essential to consider your financial situation and the potential costs of an accident. While the minimum coverage may help you comply with the law, it may not provide enough protection in the event of a serious incident. By understanding the different types of insurance available and their benefits, you can make an informed decision about the level of coverage that best suits your needs and provides peace of mind while driving in Texas.
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Property damage coverage of $25,000
In Texas, drivers are required to have a minimum of $25,000 in property damage liability insurance. This is often referred to as 'PD' and is one of the major coverage types on an auto policy. This coverage helps pay for damages that you cause to someone else's vehicle or property. For example, if you were to damage someone's fence in an accident, your property damage liability insurance would help cover the cost of repairs.
Property damage liability insurance does not cover damage to your own vehicle. Instead, coverage for your own property falls under comprehensive and collision coverage, which you need to pay for separately.
The minimum requirement for coverage limits varies from state to state. In Texas, the required coverage limit for property damage is $25,000 per accident. This is the most common property damage liability coverage limit required and is the law in 22 states.
If the damages you cause exceed your coverage limit, you will have to pay the difference out of pocket. You can purchase limits higher than the minimum set by your state to reduce the chances of having to pay out of pocket. Keep in mind that higher limits will result in higher premiums.
In Texas, the minimum liability coverage limits are often written as 30/60/25. This means that, in addition to the property damage coverage of $25,000, Texas drivers are required to have a minimum of $30,000 in bodily injury liability coverage per person and $60,000 per accident.
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Collision coverage for damage to your car
Collision coverage is an optional form of auto insurance in Texas. It is not required by state law, but it can be a good idea to have it. This is especially true if you cannot afford to fix or replace your vehicle if it is damaged or totaled in an accident.
Collision coverage pays for damage to your car in the event of a collision with another vehicle or a stationary object. This includes accidents that are your fault, such as colliding with a telephone pole, tree, fence, or guardrail. It also covers single-vehicle accidents, such as if you roll your car. Additionally, collision insurance covers damage caused by road hazards, such as potholes.
If you are leasing or financing your vehicle, your lender will almost always require you to have collision coverage. This is to ensure that their asset is protected. If your car is paid off, then the decision to carry collision coverage is yours. However, it is recommended that you maintain collision coverage to protect yourself financially in the event of an accident.
When purchasing collision coverage, you will typically choose a deductible that applies separately to each occurrence. This means that you will have to pay your deductible each time you file a claim. Deductibles usually range between $500 and $1,500, with $500 being the most common amount.
In Texas, auto insurance is required by law, and drivers must have a minimum of $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and a minimum of $25,000 for property damage per accident. This basic coverage is often referred to as 30/60/25. However, collision coverage is not included in this basic liability insurance and must be purchased separately if desired.
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Comprehensive coverage for non-collision damage
In Texas, drivers are required to carry car insurance and have proof of this coverage on them at all times. The state has set out minimum insurance coverages of $30,000 per injured person, up to a total of $60,000 per accident, and a minimum of $25,000 for property damage per accident. This basic coverage is known as 30/60/25.
However, these are just the minimum requirements, and drivers can purchase additional coverage to protect themselves further. One such type of coverage is comprehensive insurance.
Comprehensive insurance, or comprehensive (other than collision) coverage, as it is sometimes called, is an optional type of insurance that covers the cost of repairing or replacing a car in non-collision incidents. This includes incidents of theft, vandalism, fire, flood, and weather damage. It also covers damage from flying objects, such as hail.
Comprehensive insurance usually requires the payment of a deductible, which is the amount the policyholder must pay before the insurance company will pay out. Deductibles for comprehensive insurance typically range from $100 to $500, depending on the policy.
While not mandatory, comprehensive insurance is a good idea for drivers who want to protect themselves from financial loss in the event of non-collision damage to their vehicle.
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Frequently asked questions
The minimum insurance coverage required in Texas is $30,000 for bodily injury liability per person, $60,000 per accident, and $25,000 for property damage liability per accident. This is often referred to as 30/60/25 coverage.
Liability coverage includes bodily injury liability and property damage liability. Bodily injury liability covers medical bills, lost income, and pain and suffering for people injured in an accident where you are found liable. Property damage liability covers the cost of repairing or replacing another vehicle or stationary objects such as fences.
The average cost of minimum coverage car insurance in Texas is around $65 per month or $786 per year.
The penalties for driving without insurance in Texas include fines, vehicle impoundment, suspension of your driver's license and vehicle registration, and jail time in case of an accident.
No, comprehensive insurance is not required by law in Texas. However, it is recommended for additional protection against non-collision-related damages such as theft, vandalism, or weather incidents.