Texas Property & Casualty Insurance License Exam — All Questions
3 questions
What are Texas's minimum bodily-injury auto liability limits?
- a.$15,000 per person / $30,000 per accident
- b.$25,000 per person / $50,000 per accident
- c.$30,000 per person / $60,000 per accident✓
- d.$50,000 per person / $100,000 per accident
Texas requires minimum bodily-injury liability limits of $30,000 per person and $60,000 per accident (the '30/60/25' rule) per the Texas Department of Insurance auto insurance guide (tdi.texas.gov). Because minimums can change, confirm current figures with TDI.
What is Texas's minimum property-damage liability limit for an auto policy?
- a.$15,000 per accident
- b.$25,000 per accident✓
- c.$50,000 per accident
- d.Texas has no property-damage minimum
Under the Texas minimum '30/60/25' requirement described by the Texas Department of Insurance, the property-damage liability minimum is $25,000 per accident (tdi.texas.gov). These statutory minimums can change; verify current figures with TDI.
How is Texas's auto system best characterized with respect to the right to sue?
- a.A no-fault state that restricts auto injury lawsuits
- b.An add-on state with mandatory first-party PIP benefits
- c.A tort ('at-fault') state in which the injured party keeps the right to sue the at-fault driver✓
- d.A state with no financial-responsibility requirement
Texas is a tort, or at-fault, state: it does not mandate no-fault PIP, so an injured person keeps the right to sue the at-fault driver for damages. Compulsory liability coverage still applies under the state's financial-responsibility law. Confirm current requirements with the Texas Department of Insurance.