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30/60/25 Texas Minimum Auto Liability Insurance Policy Limits

Posted by Sergio Villasana | Oct 08, 2024 | 0 Comments

For non commercial, the minimum auto liability insurance policy limits in Texas are 30/60/25, which means:
  • Bodily injury: $30,000 per person, up to $60,000 per accident
  • Property damage: $25,000 per accident 
     
     
Liability insurance protects the at fault party up to a certain dollar amount for injuries and damages he/she caused. Most insured motorist in Texas carry the minimum auto liability insurance.  If the at fault party has the minimum auto liability insurance requirements then the following applies:
 
The adverse insurance carrier will pay up to $30,000.00 per person regardless of the person's injuries/damages.
The adverse insurance carrier will pay up to $60,000.00 per accident regardless of the number of people presenting a claim and/or their injuries/damages.
The adverse insurance carrier will pay up to $25,000.00 per accident for property damage regardless of the value of the vehicle or vehicles involved. 
 
Texas is a first come first serve state.  If you find yourself in a multiparty accident and are facing a minimum policy limits issue then try to settle your claim first before the policy limits are exhausted. 
 
Having underinsured motorist protection and/or comprehensive/collision coverage on your policy may help you in this matter. 
 
 

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