RON MARCHIANIFARMERS INSURANCE AGENT
Call Ron ↗
Insurance guide · Ron Marchiani, Farmers agent
Liability addresses covered injury or property damage to others up to stated limits. Collision and comprehensive address different damage causes to your vehicle, subject to terms and deductibles.
Direct answer
Start with the policy language and the facts of the property, vehicle or household. General summaries help frame questions but do not determine coverage for an individual policy.
Texas requires at least $30,000 for injuries to one person, up to $60,000 per accident, and $25,000 for property damage. These liability limits are commonly called 30/60/25. TDI cautions that the minimum may be too low for a serious crash or multiple damaged vehicles; the policyholder may be responsible for costs above the limit.
Liability generally addresses covered injury or property damage to others when you are legally responsible. Collision and comprehensive are separate coverages for covered damage to your vehicle from different causes. Medical payments, personal injury protection and uninsured or underinsured motorist coverage have their own terms and limits.
Use the same household drivers, vehicle identification, garaging address, annual mileage, business or commute use, liability limits and deductibles on each quote. Confirm listed drivers and exclusions. Ask what optional protections are included and what the insurer requires after an accident.
Quick answers
Texas requires at least $30,000 for bodily injury to one person, $60,000 per accident and $25,000 for property damage per accident. These are legal minimums, not a recommendation that they are sufficient for every driver.
Liability coverage can pay covered injury or property damage you cause to others, up to the policy limits. It does not pay to repair your own vehicle just because you caused a crash.
Collision generally covers damage to your vehicle from a collision, subject to terms and deductible. Comprehensive, also called other-than-collision, can cover causes such as theft, fire or flood, subject to the policy.
Start with a real conversation
Ron’s agency says it can compare options from 50+ other carriers if Farmers is not the best price or fit. Availability varies by product, eligibility and location.