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Texas has mandatory laws regarding the operation of a vehicle on the roads. All Texas drivers must carry liability limts of at least:

$20,000 Bodily Injury Per Person

$40,000 Bodily Injury Per Accident

$15,000 Property Damage Liability

Q. What does Bodily Injury Per Person Mean?

A: Bodily Injury Per Person means that when you hit someone in an accident, and it is found to be your fault. Your Texas auto insurance policy must indemnify (pay) the injured party for any bodily injuries they may substain in the accident. Texas auto insurance laws require that you must carry liability limits of at least $20,000 per person injured in an accident.

Q. What does Bodily Injury Per Accident Mean?

A: Bodily Injury Per Accident is the amount your auto insurance policy must indemnify (pay) the injured parties (more than one person) for any bodily injuries they may substain in the accident. This is the TOTAL amount of bodily injuries, death, hospitalization your policy must cover to drive legally in Texas. Texas auto insurance laws require that you must carry liability limits of at least $40,000 per accident injured in an accident.

Q. What does Property Damage Liability Mean?

A. Property damage liability is the amount of money the insurance company is legally obligated to pay damaged parties for repairs to their automobiles in the event of an accident where the insured was found to be at fault.

There are other Texas auto insurance coverages available. These are the state mandated “state minimum” limits.

David Clanton is a professional Texas insurance agent. He has been licensed in Texas for over 15 years and involved in agency management and sales. He has published many articles. Visit David’s site at http://www.texasinsurancezone.com and the Texas Insurance Weblog at http://www.texasinsurancezone.com/weblog/

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