Overview
Texas law (the 30/60/25 rule) requires every driver to carry minimum bodily injury and property damage liability coverage. Liability is the part of your policy that protects everyone else on the road from your mistakes — it does not pay to repair your own vehicle. Most El Paso drivers carry more than the state minimum because medical bills and new-vehicle repair costs routinely exceed the floor, and a single serious crash can wipe out a household's savings without higher limits.
Key benefits
- Satisfies Texas state minimum financial responsibility law
- Pays the other driver's medical bills when you cause an accident
- Pays to repair or replace the other driver's vehicle
- Covers legal defense costs if you're sued after a crash
- Available in higher limits (100/300/100, 250/500/250) for stronger protection
Real-world examples
Rear-end on I-10
You rear-end another vehicle on I-10 near Airway. Liability pays for the other driver's neck injury and bumper repair up to your bodily injury and property damage limits.
Parking lot fender bender
You back into a parked SUV at Cielo Vista Mall. Property damage liability covers the cost to repair the SUV.
Multi-vehicle accident
An at-fault collision injures two passengers in another car. Your per-person and per-accident bodily injury limits respond to their claims.
Related coverages
Liability + collision + comprehensive — the package most lenders require.
Repairs your vehicle after a crash — regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.
Pays medical and lost-wage benefits for you and your passengers.