The State of Texas requires most vehicle owners to carry liability insurance in order to drive their vehicle legally on public roads. Liability coverages include Bodily Injury and Property Damage. These coverages pay up to a specified limit for medical or repair costs for which you become legally liable as a result of an accident.

In addition, if your vehicle is financed most lenders require you to carry coverage for physical damage that may occur to the vehicle until your loan is paid off. Physical damage coverages include Comprehensive and Collision. These coverages will pay for damage to your vehicle due to a collision or other covered causes, minus your chosen deductible.