Auto · Two phrases, two jobs
Bodily injury liability pays other people when you are at fault for their injuries. “Personal injury” is a wider legal idea, and personal injury protection pays you. They are not the same line on the declarations.
On a Texas auto policy the liability floor is $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. The first two numbers are the bodily-injury limit. They pay the other person’s medical bills, and sometimes lost wages, if you are legally responsible, up to that cap. An $80,000 judgment against a $30,000 per-person limit leaves the rest on you. That is example math. Property damage is the third number. It does not pay injuries. Uninsured and underinsured motorist coverage, if you kept it, pays your injuries when the other driver has no insurance or not enough. A rejection of that coverage belongs in writing. Texas carriers offer it. This page is not saying the offer is a statute you should skip.
The policy: Texas auto and what it covers. The other driver’s missing limit: uninsured motorist. Why the floor exists, without a start year: when liability became required. Price is not the same as the limit: what you are comparing. Registration checks liability: insurance and registration.
