Liability Coverage (Bodily Injury & Property Damage)
If you're responsible for an accident, this coverage helps pay for another person's injuries and property damage. It also helps protect your savings from expensive claims and legal expenses.
Texas Auto Insurance Requirements — What Temple Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas 30/60/25 liability coverage means up to $30,000 for injuries to one person you cause in a crash, $60,000 total for injuries to everyone involved in the same accident, and $25,000 to pay for damage to another person's vehicle or property. In Temple, where medical bills and repair costs can add up quickly, these minimum limits may not be enough 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 Temple Drivers?
