Liability Insurance

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LIABILITY INSURANCE

WHAT DOES LIABILITY INSURANCE COVER?

Liability insurance pays to repair or replace the other driver’s car and pay their medical expenses, up to your policy’s limits, when you are at fault.

WHO DOES IT COVER?

Liability auto insurance covers you and your family members. Liability insurance will also cover others driving your car with your permission. You and your family members might be covered when driving someone else’s car, including a rental car, but not a car that you don’t own but have regular access to, such as a company car.

Some policies won’t cover other people who are residents in your household, including family members, unless they’re specifically named in the policy. Your declarations page should list the names of all the people the policy covers.

HOW MUCH DOES IT COVER?

In Texas, the current State required minimum liability limits are $30,000.00 for each injured person, up to a total of $60,000.00 per accident, and $25,000.00 for property damage per accident. The basic coverage is commonly referred to as “30/60/25” coverage.

Many insurance companies use the Texas Personal Automobile Policy, a standardized policy form that offers various types of coverage. Read your policy carefully, because coverage may vary. Pay special attention to who is covered under your policy and to the exclusions. The front page of your policy called the “Declarations” or “Dec Page”. It shows the exact name of your insurance company, your policy number, and the amount of each type of coverage and deductibles.

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