Which coverages must be included in every automobile liability policy under Texas law?

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Multiple Choice

Which coverages must be included in every automobile liability policy under Texas law?

Explanation:
Texas law requires two core coverages in every automobile liability policy: bodily injury liability and property damage liability. Bodily injury liability pays for injuries you cause to others, while property damage liability covers damage you cause to others’ property. In addition, insurers must offer uninsured/underinsured motorist coverage, though you can reject it in writing if you don’t want it. Personal Injury Protection is not required by Texas law. So the essential elements are the two liability coverages, with UM/UIM being offered (not necessarily included by default) and PIP optional.

Texas law requires two core coverages in every automobile liability policy: bodily injury liability and property damage liability. Bodily injury liability pays for injuries you cause to others, while property damage liability covers damage you cause to others’ property. In addition, insurers must offer uninsured/underinsured motorist coverage, though you can reject it in writing if you don’t want it. Personal Injury Protection is not required by Texas law. So the essential elements are the two liability coverages, with UM/UIM being offered (not necessarily included by default) and PIP optional.

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