Liability Coverage (Bodily Injury & Property Damage)
Liability coverage pays for injuries and property damage you cause to others in an accident. It helps cover medical bills, repairs, and legal costs if you are found at fault in a crash.
Texas Auto Insurance Requirements — What Fort Worth Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires drivers to carry minimum liability coverage known as 30/60/25. The $30,000 limit helps pay for injuries to one person if you cause an accident. The $60,000 limit is the maximum available for all injuries in a single accident, regardless of how many people are involved. The $25,000 limit helps pay for damage you cause to another person's vehicle or property. In Fort Worth, rising medical bills and higher vehicle values can cause these limits to be exhausted quickly.
| 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 Fort Worth Drivers?
