Texas requires auto insurance. Liability coverage meets the minimum State requirements of financial responsibility.
What it pays: The following expenses, up to your policy’s dollar limits, for the people in the other car involved in an accident that you or someone covered by your policy caused:
- medical and funeral costs, lost wages, and compensation for pain and suffering
- car repair or replacement costs
- car rental while the other driver’s car is being repaired
- punitive damages awarded by a court.
Liability insurance also pays your attorney fees if someone sues you because of the accident. If you are arrested following an accident, liability insurance will pay up to $250 for bail.
Who it covers:
- you and your family members. (Family members include anyone living in your home related to you by blood, marriage, or adoption. This includes your spouse, children, in-laws, adopted children, and foster children.)
- other people driving your car with your permission
- family members attending school away from home
- spouses living elsewhere during a martial separation might be covered.
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 of your household, including family members, unless they’re specifically named in the policy. Your policy’s declarations page should list the names of all of the people the policy covers.
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