Definition
Bodily Injury Liability refers to the part of a Texas auto insurance policy that pays for medical expenses, lost wages, pain and suffering, and legal defense costs when the insured driver causes injuries to other people in an accident. Texas law requires at least $30,000 per person and $60,000 per accident in bodily injury coverage — the first two numbers in the state's 30/60/25 minimum. The $30,000 figure is the maximum the policy will pay for any one injured person, while the $60,000 figure caps the total for everyone injured in a single accident, regardless of how many people are hurt. These minimums are frequently inadequate for serious DFW collisions involving emergency transport, surgery, or long-term rehabilitation. Higher limits — such as 100/300 or 250/500 — typically add only modest premium but can prevent a lawsuit that seeks personal assets above the policy limit.
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