Liability Coverage (Bodily Injury & Property Damage)
Pays for injuries and property damage you cause to others after a covered accident. It helps cover medical expenses, repair costs, and legal claims, protecting your finances from expensive losses.
Texas Auto Insurance Requirements — What Edinburg Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires every driver to carry at least 30/60/25 liability insurance. The $30,000 limit helps pay medical expenses for one person if you cause an accident and they are injured. The $60,000 limit is the maximum your policy pays for all injuries in a single accident, no matter how many people are hurt. The $25,000 limit helps pay for damage to another person's vehicle or property. In a city like Edinburg, these minimum limits can be exhausted quickly due to rising medical and repair costs.
| 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 Edinburg Drivers?
