Aardvark Risk Management

Auto liability limits in Texas refer to the minimum amount of insurance coverage drivers must carry to comply with state law. In Texas, these limits are typically expressed as a three-part number, such as 30/60/25.
The first number represents the bodily injury liability limit per person, which was $30,000 in 2003. This means that if you cause an accident and injure someone, your insurance will cover up to $30,000 of their medical expenses.
The second number represents the bodily injury liability limit per accident, which was $60,000 in 2003. If multiple people are injured in the accident, your insurance will cover up to a total of $60,000 for all injured parties combined. However, no single person can receive more than the per person limit of $30,000.
The third number represents the property damage liability limit, which was $25,000 in 2003. If you cause damage to someone else's property, such as their vehicle, your insurance will cover up to $25,000 for repairs or replacement.
It's important to note that these limits are the minimum required by law, but higher coverage is generally recommended to provide better protection. If the damages exceed your coverage limits, you may be personally responsible for the remaining costs. It's advisable to review and adjust your insurance coverage based on your personal needs and financial situation.