Liability Coverage (Bodily Injury & Property Damage)
Pay for injuries to other people and damage to their property when you cause a covered accident. It also helps cover legal expenses up to your policy limits, making it an essential protection.
Texas Auto Insurance Requirements — What Lewisville Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires drivers to carry 30/60/25 liability insurance. The $30,000 limit pays for injuries to one person if you cause an accident. The $60,000 limit is the most your policy pays for all injuries from a single accident. The $25,000 limit pays for damage to another person's property. In Lewisville, where medical bills and vehicle repair costs are high, these minimum limits can be exhausted.
| 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 Lewisville Drivers?
