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The Texas personal automobile policy offers eight types of coverage. Basic liability coverage meets the state's financial responsibility laws. If you still owe money on your car, your lender will require you to have collision and comprehensive coverage. The following describes the eight types of coverage available in the Texas Personal Automobile Policy. Auto insurers may offer alternative policies if approved in advanced by TDI.

Below are answers to some common questions about auto insurance:

Auto Insurance Coverage

The Texas personal automobile policy offers eight types of coverage. Basic liability coverage meets the state's financial responsibility laws. If you still owe money on your car, your lender will require you to have collision and comprehensive coverage.

The following describes the eight types of coverage available in the Texas Personal Automobile Policy. Auto insurers may offer alternative policies if approved in advanced by TDI. Read your policy carefully, as your coverage's and policy terms could differ from those listed below.

Liability Coverage

• Pays: other people's expenses for accidents caused by drivers covered under your policy, up to your policy's dollar limits. These may include the other persons medical and funeral costs, lost wages and compensation for pain and suffering car repair or replacement costs; auto rental while their car is being repaired; and punitive damages awarded by a court. Liability insurance also pays attorney fees if you are sued and bail up to $250 if you are arrested
• Covers: You, your family members and other people driving your car with your permission, even if they don't have their own liability insurance and are not named on your policy. You and your family members also are covered when driving someone else's automobile - including a rental car- but not a car that you don't own but have regular access to, such as a company car.

  Your auto policy covers your spouse blood relatives, in-laws, adopted children, wards and foster children living in your home, even if not named on the policy. Family members attending school away from home and a spouse living elsewhere during a martial separation are covered.

Medical payments coverage

• Pays: Medical and funeral bills arising from accidents, including those in which the victim was a pedestrian or a bicyclist.
• Covers: you, your family members, and passengers in your car, regardless of who caused the accident.

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