Texas Property and Casualty License Practice Exam

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What is the minimum coverage limit for uninsured/underinsured motorist coverage in Texas?

  1. 25/50/15

  2. 30/60/25

  3. 50/100/25

  4. 15/30/10

The correct answer is: 30/60/25

In Texas, the minimum coverage limit for uninsured/underinsured motorist coverage is set at 30/60/25. This means that the coverage provides up to $30,000 per person for bodily injury, up to $60,000 for total bodily injury per accident, and $25,000 for property damage. Understanding these limits is crucial for ensuring that drivers are adequately protected against the financial implications of accidents involving drivers who lack insurance or do not have sufficient coverage. The uninsured/underinsured motorist coverage is designed to compensate policyholders for injuries and damages resulting from accidents where the at-fault party does not have adequate insurance. Thus, having this coverage can provide peace of mind and financial security in the event of an accident with an underinsured driver. In the context of other options, while they may represent different coverage limits, only the selection of 30/60/25 aligns with the legal minimum requirements established by Texas law for uninsured/underinsured motorist coverage.

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