Texas bodily injury liability coverage can be a confusing topic. If you have recently been involved in an accident, you may have questions about what bodily injury liability involves. After the shock of the crash, your next thoughts may be “How am I going to pay for this?” Here are the answers to some frequently asked questions about bodily injury coverage.
What is Texas bodily injury liability?
Basically, this service is included in your car insurance and will cover the medical expenses if you injury someone in an auto accident.
How much auto insurance for liability do I need in Texas?
You will need $25,000 worth of coverage for one person and at least $50,000 per accident.
Do I have to carry bodily injury liability coverage?
Yes. In the state of Texas it is mandatory to carry the minimum amount of insurance if you drive a vehicle on the roadways.
What happens if I am in a car accident and I do not have bodily injury insurance?
The first and second violation will result in a fine. If you have a third offense you will probably be fined and your license will be suspended.
If I have been injured in an accident, how long do I have to file a bodily injury liability claim?
The statute of limitations in the state of Texas states that the time limit to file a claim is 2 years.
If I am in an auto accident and someone in the other car is injured, will my Texas bodily injury liability coverage take care of the expenses?
Yes. Your insurance will pay up to your policy limits for one person or the limit for the entire accident.