Texas · 30/60/25 is the floor, not the injury
You need at least 30/60/25 to be legal. You need more than that if a judgment can exceed it.
Texas liability is $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. That pays other people when you are at fault, up to those caps. Above the cap, the rest is yours. It does not repair your car. Texas is a fault state: the at-fault driver’s liability is what the other person claims against. This is educational, not a limit picked for your assets.
Uninsured motorist is your own policy paying you. Carriers in Texas offer uninsured and underinsured motorist coverage and personal injury protection. A rejection belongs in writing. If you reject UM/UIM and the other driver has no insurance, or not enough, there is no UM check. If you buy it, it pays your injuries up to the UM limit you chose, subject to the form. It is not included in “full coverage.” Full coverage means liability plus collision plus comprehensive. Collision is a crash to your car. Comprehensive is theft, hail, flood to the car, vandalism, and many animal strikes. The deductibles are separate. Rental, gap, and roadside are still extra lines. A lender usually requires collision and comprehensive until the loan ends. A total loss is usually actual cash value unless a new-car, stated-amount, or gap endorsement applies.
The pieces: what Texas car insurance covers, uninsured motorist, and collision. Comprehensive, explained on the Colorado page of the same coverage: comprehensive. Other states use other floors: liability by state, Missouri, and Tennessee liability. The Texas hub: Texas auto.
Set the liability and UM limits to a number you could not pay out of pocket. Then decide collision from the car and the loan, not from the legal floor.
