Liability Coverage (Bodily Injury & Property Damage)
Liability coverage helps pay for injuries and property damage you cause to others in an accident, covering medical bills, vehicle repairs, and legal costs up to your selected policy limits.
Texas Auto Insurance Requirements — What Brownsville Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
State minimum coverage 30/60/25 means basic protection limits required in Texas. $30,000 bodily injury per person means the most your policy pays for one injured person. $60,000 per accident means the total payout for all injuries in one crash. $25,000 property damage means coverage for damage to another vehicle or property. In a city like Brownsville, where medical costs and vehicle values are high, these limits can run out fast. Always consider higher limits for better financial protection.
| Coverage | What It Covers | What It Doesn't Cover |
|---|---|---|
| $30,000 Bodily Injury Per Person | Medical bills for one person you injure in an accident | Anything above $30K — you pay the difference out of pocket |
| $60,000 Bodily Injury Per Accident | Total medical bills for all injured parties in one accident | Costs exceeding $60K when multiple people are hurt |
| $25,000 Property Damage | Repairs to the other driver's vehicle or property | Your own vehicle repairs, your medical bills, or your passengers' injuries |
Is Minimum Coverage Enough for Brownsville Drivers?
