Liability Coverage (Bodily Injury & Property Damage)
Helps pay for injuries and property damage you cause to others in a covered accident. It also helps meet Texas legal requirements and protects your finances from costly liability claims.
Texas Auto Insurance Requirements — What San Angelo 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 helps pay for injuries to one person if you cause a covered accident. The $60,000 limit is the most your policy pays for injuries to everyone involved in the same accident. The $25,000 limit helps cover damage you cause to another person's vehicle or property. In San Angelo, rising medical bills and vehicle repair costs can quickly exceed these minimum limits.
| 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 San Angelo Drivers?
