Texas General Liability Insurance Coverage - TGS Insurance » Auto Insurance » 30/60/25 Coverage Explained 30/60/25 Coverage - Understanding Texas Auto Insurance Minimum Requirements
Almost every state requires drivers to have minimum liability insurance to cover the costs of an at-fault accident. In Texas, these minimum requirements are often referred to as 30/60/25 coverage.
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Bodily injury liability coverage is used to compensate for medical bills and lost earnings of people outside of your family who were injured in a car accident. This coverage can also help with your legal fees if you are sued by other parties.
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Property damage coverage pays the actual cash value for replacement or repair of another vehicle and replacement or repair of immovable property such as fences.
With 30/60/25 coverage, the average cost to meet Texas auto insurance minimum requirements is $526 per year, or $44 per month. Rates vary based on several factors, including driver characteristics, vehicle features, coverage options, and location.
While 30/60/25 coverage meets state requirements, it may be too low to fully cover an accident if you are at fault, leaving you on the hook for the balance. According to Insurify.com, the most popular car in Texas in 2020 was the Nissan Altima, priced at $24,100. If you cause an accident and total someone else's car driving a new Altima, your property damage will cover this MSRP. What if you cause a lot of car accidents? What if the other driver is driving a new Ford F-150 that starts at $30,000? The reality is that meeting the state's minimum requirements leaves you vulnerable to paying large sums of money out of pocket in the event of an accident. Needless to say, liability insurance only covers others. Most drivers should consider adding additional coverage outside of the required states.
In addition to purchasing the required minimum Texas auto insurance (again, at least 30/60/25), you must have it on hand and be prepared to show your insurance card if:
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As of September 1, 2013, Texas drivers can show this proof of insurance through their mobile devices during a traffic stop.
Our agents at TGS Insurance Agency are ready to help you find the right auto insurance policy for your insurance needs at a price you can afford. We'll work with you to find the right type of coverage, then shop your policy from our 35+ A (or higher!) rated partners to find the best market rate for your auto insurance policy.
Every driver is unique. Several factors affect the cost of insurance premiums; therefore we recommend that you get an individual quote to find your rates.
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With these two volumes, the reader is armed with the tools to tackle key issues in current affairs reporting for each country. Although the book is aimed at lawyers and insurance professionals with some level of experience, it is also accessible to beginners. Chapter 1 provides an overview of CGL policies and general principles of insurance law and policy design. In addition, each chapter provides an overview of the nature, origins, development, and competing schools of thought on the issue discussed in that chapter in a review of the laws in the fifty states. Most importantly, readers will receive comprehensive state-by-state information on relevant coverage laws, including recent cases and developments.
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Randy J. Maniloff is an attorney at White and Williams, LLP in Philadelphia. He focuses his practice on representing insurance companies in disputes involving primary and excess liability coverage under a wide range of policies, including commercial general liability and various professional liability policies. Mr. Maniloff is an Adjunct Professor of Insurance Law at Temple Beasley University School of Law. Mr. Maniloff publishes CoverageOpinions.info, an e-newsletter that discusses the latest developments in the insurance coverage industry, discusses the nitty-gritty of the law, and features interviews with some of the nation's most unique, successful and prominent attorneys. For the past two decades, Mr. Maniloff has published a year-end article discussing the ten most important insurance coverage decisions of that year. Mr. Maniloff has published dozens of articles on a variety of insurance coverage topics, is a frequent speaker at industry seminars, and has been featured on insurance coverage by media outlets such as The Wall Street Journal, The New York Times, USA Today topics are quoted in Dow Jones
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