Liability Coverage (Bodily Injury & Property Damage)
Pays for injuries and property damage you cause to others in a covered accident. It helps meet Texas legal requirements and protects your finances from costly claims and legal expenses too.
Texas Auto Insurance Requirements — What League City Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires drivers to carry 30/60/25 minimum liability coverage. The $30,000 pays for injuries to one person if you cause an accident. The $60,000 is the maximum your policy pays for all injuries in a single accident, regardless of how many people are hurt. The $25,000 helps pay for damage you cause to another person's vehicle or property. In a growing city like League City, medical bills and vehicle repair costs can easily exceed these limits, leaving you responsible for the remaining expenses.
| 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 League City Drivers?
