Liability Coverage (Bodily Injury & Property Damage)
Liability coverage helps pay for injuries and property damage you cause to others in an at-fault accident. It is required by Texas law and protects your finances from costly liability claims.
Texas Auto Insurance Requirements — What Wichita Falls Drivers Must Carry
State Minimum Coverage: 30/60/25 Explained
Texas requires drivers to carry 30/60/25 minimum liability insurance. The $30,000 limit helps pay for injuries to one person if you cause an accident. The $60,000 limit is the maximum your policy pays for all injured people in a single accident. The $25,000 limit helps cover damage you cause to another person's vehicle, fence, building, or other property. In Wichita Falls, rising medical bills and today's vehicle repair costs can quickly exceed these limits, leaving you responsible for the remaining expenses.
| 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 Wichita Falls Drivers?
