Auto Liability

Which coverage in a Texas personal automobile policy pays for bodily injury and property damage the insured becomes legally liable for?

Answer

Part A — Liability Coverage

Part A of the Texas personal auto policy is Liability Coverage. PIP pays the insured's own expenses, UM/UIM pays when the other driver is uninsured or underinsured, and collision pays for damage to the insured's own car.

Source: TDI, Temporary vehicles in personal auto forms; Tex. Ins. Code §§1952.101, 1952.151

Not the answer

  • Personal injury protection (PIP)
  • Collision coverage
  • Uninsured/underinsured motorist coverage

Practice this

The Texas All-Lines Adjuster exam is 150 questions and takes 105 correct — 70% — to pass. The app’s page carries a free ten-question test drawn from the same bank, marked as you go.

Take the free practice test