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Texas Auto Insurance Coverage Requirements
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Texas Auto Insurance Coverage Requirements

Texas Auto Insurance Coverage

The Texas Auto Policy is composed of many types of coverage. Texas law requires you to have at least the state limits minimum liability coverage. On January 1, 2011 the new minimum limits of liability coverage for Bodily Injury (BI) have changed to $30,000 per person and $60,000 per accident. The Property damage limit is $25,000 per accident. The other coverages are optional, but if you owe money on your car, your bank/lender will require you to have full coverage which consists of comprehensive and collision coverage. Please review below description to become more familiar with some types of coverage available in the Texas Personal Automobile Policy.

Liability Coverage (Mandatory)

Bodily Injury will pay the other person's expenses for accidents caused by drivers covered under your policy, up to your policyīs liability limits. These can include:

  • Medical expenses for bodily injury
  • Emergency aid at the scene
  • Medical services for disease or sickness
  • Compensation for loss of income
  • Legal defense fees
  • Funeral expenses

Property Damage will pay if another person's property is damaged in an accident that's your fault, Property Damage can help pay for their:

  • Structural damage to homes, storefronts, etc.
  • Vehicle repair or replacement costs
  • Repair or replacement costs for other stationary objects

Liability coverage protects you, your family members, and other people driving your car with your permission, even if they donīt have their own liability insurance and are not named on your policy. You and your family members also are covered when driving someone elseīs automobile - including a rental car - but not a car that you donīt own but have regular access to, such as a company car.

Medical Payments Coverage (Optional)

Includes medical and funeral bills arising from accidents, including a pedestrian or a bicyclist. It will cover you, your family members, and passengers in your car, regardless of who caused the accident.

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Personal Injury Protection (PIP) Coverage (Optional)

Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person. It covers you, your family members, and passengers in your car, regardless of who caused the accident. If you donīt want PIP, you must reject it in writing.

Uninsured/Underinsured Motorist (UM/UIM) Coverage (Optional)

It will pay your expenses from an accident caused by an uninsured motorist or if the other driver did not have enough insurance. It also pays for accidents caused by a hit-and-run driver if you reported the accident promptly to the police.

Bodily injury UM/UIM covers medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability.

Property damage UM/UIM pays for auto repairs, a rental car, and damage to items carried in your car. There is an automatic $250 deductible. This means you must pay up to $250 of the repairs yourself.

Uninsured/underinsured Motorist coverage covers you, your family members, passengers in your car, and others driving your car with your permission. If you donīt want UM/UIM, you must reject it in writing.

Collision Coverage (Optional)

Covers the cost of repairing or replacing your car after an accident, regardless of who was driving or who was at fault. Payment is limited to your carīs actual cash value, less your deductible. Actual cash value is the market value of a car like yours before it was damaged.

Comprehensive Coverage (Optional)

Covers the cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, falling objects or other causes other than collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Payment is limited to your carīs actual cash value, less your deductible.

Towing and Labor Coverage (Optional)

Will pay for towing charges when your car canīt be driven. Also pays labor charges, such as lock-out service, battery jump start and changing a tire, at the place where your car broke down.

Rental Reimbursement Coverage (Optional)

Pays for a set daily amount for a rental car if your car is stolen or is being repaired because of damage covered by your policy.

If you purchased a new car be sure to notify your insurance company as soon as possible that you have added or replaced a car and which coverages you want. You could lose texas auto insurance coverage on the new car if you wait longer than 30 days.

(For more info please visit the Texas Department of Insurance)

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