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What does a Texas Personal Auto Policy typically cover?

Property damage to the vehicle itself

Potential injury to other people

A Texas Personal Auto Policy generally provides coverage for a variety of risks associated with owning and operating a vehicle. One of the primary components of such a policy is liability coverage for bodily injury, which protects the policyholder against claims for potential injuries they may cause to other people in an accident. This includes medical expenses, lost wages, and pain and suffering that the injured party may claim.

In contrast, the coverage for property damage to the vehicle itself pertains to collision or comprehensive coverage, which is not typically included in basic liability policies. Liability for rental properties does not fall under the scope of a personal auto policy, as that aspect pertains more to homeowners or renters insurance. Hence, the focus on potential injury to other people aligns with the primary responsibility of auto insurance, which is to protect against liability claims resulting from accidents.

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Liability for rental properties

None of the above

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