Texas · Liability pays them. Full coverage also pays your car.
Liability-only meets the Texas floor of 30/60/25 and pays other people when you are at fault. Full coverage adds collision and comprehensive for your own car. It still leaves out rental, gap, and uninsured motorist unless those are listed.
$30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage is what financial responsibility asks for. It does not repair your car. An $80,000 judgment against a $30,000 per-person limit leaves the rest on you. That is example math. With no policy at all, there is no cap between a judgment and you. Collision pays a crash you cause, minus its deductible. Comprehensive pays theft, hail, flood to the car, vandalism, and many animal strikes, minus its own deductible. Hail on the car is comprehensive, not collision. A lender usually requires both and can cap the deductible. The state does not, once the car is paid off.
The split, written out: what it covers and car insurance in Texas. What the phrase adds: full coverage. How limits work: insurance limits. The two physical-damage pieces: comprehensive. The loan: gap. Line up the same coverages, not a ranking: how to compare.
