Liability Coverage (Bodily Injury & Property Damage)
Liability coverage helps pay for injuries or property damage you cause to others in a covered accident. It satisfies Texas legal requirements and protects your finances from costly claims.
Texas Auto Insurance Requirements — What Sugar Land Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires drivers to carry 30/60/25 minimum liability coverage. The $30,000 limit helps pay for injuries to one person if you're responsible for an accident. The $60,000 limit is the most your policy pays for injuries to everyone involved in a single accident. The $25,000 limit helps cover damage to another person's vehicle or property. In Sugar Land, where medical expenses and vehicle repair costs can be high, these minimum limits may be exhausted quickly after a serious accident.
| 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 Sugar Land Drivers?
