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December 8, 2022
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What is Liability Insurance

What does liability insurance in Texas Cover?

Liability insurance pays to repair or replace the other driver’s car, or other damaged property and pays other people’s medical expenses when you’re at fault in an accident. If you still owe money on your car, your lender will require you to have collision and comprehensive coverage. Liability coverage includes property damage and bodily injury coverages. Property damage covers damage to the other party’s property. This could include vehicle damage, yard, light pole, or other property damaged because of the accident.

What is proof of Texas liability insurance?

A standard proof of liability insurance form promulgated by the Texas Department of Insurance and issued by a liability insurer that includes: (A) The name of the insurer; (B) The insurance policy number; (C) The policy period (dates of coverage 

and issued for 30 days or more); (D) The name and address of each insured.

What are the minimum coverage requirements in Texas?

According to state law, Texas drivers need to have minimum insurance coverage of $30,000 per injured person, up to at least $60,000 per accident. Additionally, Texas drivers must have coverage for property damage of at least $25,000.

What happens if someone else is driving my car and gets into an accident in Texas?

In Texas, the car insurance of the party at fault for causing the collision is financially responsible for damages. If your friend was at fault for causing the crash, therefore,    your auto insurance company will pay for the victims’ medical bills and property repairs.

What is typically not covered under liability insurance?

The coverage provides protection against claims resulting from injuries and damage to people and/or property. The coverage protects from legal costs and payouts for which the insured party would be found liable. Provisions not covered include Intentional damage, contractual liabilities, and criminal prosecution.      Click and GET A QUOTE

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