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Sec. Each Occurrance: $600, $1200, $1500, Pays up to $500 total for the following incurred expenses for all persons when your car is not drivable as a result of a loss that occurs more than 50 miles from home; meals, lodging, and transportation home or on to your destination and the return trip to pick up your car, Death, Dismemberment, and Loss of Sight Coverage. If the commissioner determines that the insurer is not in compliance, the commissioner may impose any sanction authorized by Chapter 82. (3) require that, for the insured to recover under the uninsured motorist coverage if the owner or operator of any motor vehicle that causes bodily injury or property damage to the insured is unknown, actual physical contact must have occurred between the motor vehicle owned or operated by the unknown person and the person or property of the insured. (c) A garage insurance policy containing a provision described by Subsection (a) may not cover a garage customer except to the extent permitted by this section, notwithstanding the terms of the other insurance policy providing coverage described by Subsection (a). Additionally, , and drivers can select a higher deductible in return for a lower premium. Sec. PIP coverage pays medical expenses and a percentage of lost wages due to injuries resulting from an auto accident. I no longer have access to the policy I held back then, but I do have this semi-recent policy's dec page. You may want to hire a professional before making any decision. 1952.353. 1952.204. If one person was severely injured, then that individuals medical expenses could easily exceed your per-person limit of $10,000 for bodily injury liability meaning youd be responsible for the excess medical bills your insurance didnt pay. EXCLUSION OF BENEFITS. 4@A$A0a@(!q60 Sec. housework) and funeral expenses. Sec. This subchapter does not require an insurer to provide personal injury protection coverage in an amount that exceeds $2,500 for all benefits, in the aggregate, for each person. To see how much liability limits you should buy, check out theHow Much Car Insurance Do You Need? tool. OFFSET AGAINST LIABILITY CLAIM. (B) the vehicle is used for farming or ranching. LIABILITY LIMITS. If you have to file suit to be fairly compensated, it must be done before the statute of limitations expires, or your claim is lost forever. An insurer may not prohibit a repair person or facility from providing a beneficiary or third-party claimant with information that states: (1) the description, manufacturer, or source of the parts used; and.