Liability Coverage (Bodily Injury & Property Damage)
Helps pay for injuries and property damage you cause to others in an at-fault accident. It covers medical expenses, legal costs, and repairs to another person's property, up to your policy limits.
Texas Auto Insurance Requirements — What Killeen Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires drivers to carry at least 30/60/25 liability coverage. The $30,000 limit pays for injuries to one person if you cause an accident. The $60,000 limit is the maximum available for all injuries combined in a single accident. The $25,000 limit pays for damage you cause to another person's vehicle, building, fence, or other property. While these limits satisfy state law, in a city like Killeen, rising medical bills and vehicle values can cause them to run out 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 Killeen Drivers?
