Texas · One occurrence, one deductible
After a crash, the liability limit pays other people if you are at fault. Your own car is collision or comprehensive, minus that coverage’s deductible. This page will not invent a repair timeline or a claim cost.
Get to safety, photograph the cars and the scene, and exchange names and policy numbers. A police report records the facts. It is not the policy. Tell your company. Texas is a fault state. The floor is $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. An $80,000 judgment against a $30,000 per-person limit leaves the rest on the driver. That is example math. Uninsured and underinsured motorist coverage, if you did not reject it in writing, pays your injuries when the other driver has no insurance or not enough. It is not collision.
What those coverages are: what Texas car insurance covers and car insurance in Texas. The other driver’s missing limit: uninsured motorist. Parts: new or aftermarket. Why a blog will not price your claim: common claims.
