Ace the Texas DMV Written Test 2025 – Drive Your Way to Success!

The minimum insurance requirements in Texas include liability coverage, which is designed to protect you financially if you are at fault in an accident. This type of coverage specifically addresses liabilities related to bodily injury and property damage to other people involved in the accident. It ensures that if you injure someone or cause damage to someone else's vehicle or property, your insurance will help pay for their medical expenses and the repair or replacement of their property.

Bodily injury coverage covers medical expenses, lost wages, and pain and suffering for the other party, while property damage covers repair costs for their damaged property, such as vehicles, fences, or buildings. This is crucial because it not only helps you comply with state laws but also protects your assets in case of a serious accident where you are liable.

The other options do not accurately describe what liability coverage encompasses. Liability coverage does not cover costs related to your personal injuries or vehicle damage, as it specifically addresses the responsibilities you have towards others when you're at fault in an accident.