Texas Property and Casualty License Practice Exam

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Study for the Texas Property and Casualty License Exam. Prepare with flashcards and multiple choice questions, each with hints and explanations. Get ready for your exam!

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What are the minimum limits of liability in Texas for a personal auto policy?

25/50/15
30/60/25
15/30/5
50/100/25

The correct answer is: 30/60/25

The minimum limits of liability for a personal auto policy in Texas are set at 30/60/25. This means that the policy must provide at least $30,000 in coverage for bodily injury per person, $60,000 for total bodily injury per accident when multiple individuals are injured, and $25,000 for property damage per accident. These limits are designed to ensure that drivers have enough coverage to protect themselves and others on the road in the event of an accident. Moreover, Texas law mandates these minimums to help maintain a basic level of financial responsibility among drivers, which is crucial in reducing the burden of unexpected financial losses stemming from auto accidents. Understanding these limits is essential for managing risk and compliance within the state's insurance framework.