Texas · Legal is not the same as repaired
Liability-only can satisfy 30/60/25 and still leave your car, a hailstorm, and any judgment above the limit on you.
Bodily injury and property damage liability pay other people when you are at fault, up to the limits. The Texas floor is $30,000 per person, $60,000 per accident, and $25,000 for property damage. If a judgment is $80,000 against one person and you carry the floor, the policy’s share stops at $30,000. The rest is yours. That is example math, not a prediction of your claim. There is no deductible on this part, because it is not a repair of your car. Registration checks this floor. It does not check whether you can replace the car.
The comparison: liability versus full coverage, what full coverage means, and what Texas car insurance covers. Comprehensive on its own: comprehensive. Why the floor has to exist: mandatory liability and registration. A guest at the house is a different policy: home liability for guests. Collision in another state, same idea: Missouri collision.
