Texas has mandatory laws governing the operation of a vehicle on the roads. All Texas drivers must carry Texas auto insurance liability limts of at least:

$20,000 Bodily Injury Per Person
$40,000 Bodily Injury Per Accident
$15,000 Property Damage Liability

Q. What does “Bodily Injury Per Person” Mean?

A: Bodily Injury Per Person means that when you hit someone in an accident, and it is found to be your fault. Your Texas auto insurance policy must indemnify (pay) the injured party for any bodily injuries they may substain in the accident. Texas auto insurance laws require that you must carry liability limits of at least $20,000 per person injured in an accident.

Q. What does “Bodily Injury Per Accident” Mean?

A: Bodily Injury Per Accident is the amount your auto insurance policy must indemnify (pay) the injured parties (more than one person) for any bodily injuries they may substain in the accident. This is the TOTAL amount of bodily injuries, death, hospitalization your policy must cover to drive legally in Texas. Texas auto insurance laws require that you must carry liability limits of at least $40,000 per accident injured in an accident.

Q. What does “Property Damage Liability” Mean?

A. Property damage liability is the amount of money the insurance company is legally obligated to pay damaged parties for repairs to their automobiles in the event of an accident where the insured was found to be at fault.

For more details on Texas auto insurance, visit us at : http://www.texasinsurancezone.com

About The Author

David A. Clanton is a professional Texas insurance agent. He has over 15 years experience as an agency owner in Texas. He has written many articles on Texas insurance. David specializes in Texas home insurance and the Texas auto insurance industry.

Visit Texas Insurance Zone at http://www.texasinsurancezone.com

A Quick Note From The Publisher... If you like the article above, you may be interested in the following article which is also related to Auto Insurance... No Fault Auto Insurance Explained If you're fortunate, or depending on how you look at it, unfortunate to live in one of the twelve states that are under a non-fault auto insurance system, you can cause an accident, yet your insurance company won't pay for the other parties' damages. If you live in a No-fault state (DC, FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT) that means you live in a state that both requires drivers to carry insurance for their own protection and places limitations on their ability to sue other drivers for damages. Your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault for the accident. Any other drivers involved will be covered by their auto insurance policies. Since all are required to carry insurance, in theory, there should be no uninsured motorists in those states. Stop laughing; the term "in theory" was used! These states opted for the no fault insurance system because it guarantees every driver immediate medical treatment...

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