Liability Coverage (Bodily Injury & Property Damage)
Liability coverage helps pay for injuries or property damage you cause to others after an accident. It can protect your finances by covering eligible costs up to your policy limits after crashes.
Texas Auto Insurance Requirements — What The Woodlands Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires 30/60/25 minimum liability coverage. The $30,000 limit helps pay for injuries to one person if you cause a crash. The $60,000 limit is the most your policy pays for all injured people in the same accident. The $25,000 limit helps cover damage you cause to another person's vehicle, fence, or property. In The Woodlands, where medical bills and newer vehicles can be costly, these minimum limits may be used up 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 The Woodlands Drivers?
