Liability Coverage (Bodily Injury & Property Damage)
Pays for injuries and property damage you cause to others after a covered accident. It helps meet Texas legal requirements and protects your finances from costly liability claims.
Texas Auto Insurance Requirements — What Mesquite Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
The 30 means your policy pays up to $30,000 for injuries to one person if you are responsible for an accident. The 60 means it pays up to $60,000 total for injuries suffered by everyone involved in that same accident. The 25 means it covers up to $25,000 for damage to another person's vehicle, home, fence, or other property. In a growing city like Mesquite, medical expenses and vehicle values can be high, so these minimum limits may run out much faster than many drivers expect.
| 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 Mesquite Drivers?
