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Texas insurance glossary

Bodily injury liability

Bodily injury liability is the part of an auto policy that pays other people for injuries the insured driver causes, up to a limit per person and a larger limit per crash.

Sources checked

The two limits are the first two numbers in 30/60/25. The per-person figure caps what any one injured party recovers; the per-crash figure caps the total when more than one person is hurt, however many claimants there are.

It also pays the cost of defending the insured against a covered claim, which is a real benefit that never appears on a declarations page as a number.

Where the Texas minimum stops being enough is a coverage conversation rather than a definition, and it is on the auto insurance page.

Sources: TDI — automobile insurance guide (CB020); Tex. Transp. Code § 601.072 — minimum coverage amounts. Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • 30/60/25 30/60/25 is the shorthand for the minimum auto liability limits Texas requires: $30,000 for one injured person, $60,000 for a crash, and $25,000 for property damage.
  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.
  • Property damage liability Property damage liability is the part of an auto policy that pays for damage the insured driver causes to other people’s property, most often another vehicle.
  • Policy limits Policy limits are the most an insurer will pay under a given coverage, stated per person, per occurrence, or per policy period on the declarations page.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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