Yes, Texas law requires drivers to carry minimum liability coverage to pay for damages and injuries they cause in an accident.

Liability insurance pays for other people’s medical bills and property damage if you’re at fault in an accident. It does not cover your own car or injuries.

Full coverage usually refers to a policy that includes liability, collision, and comprehensive coverage. It protects you and your car in most situations.

Collision coverage pays to repair or replace your car if it's damaged in a crash, regardless of who is at fault.

Comprehensive covers damage not caused by a collision—like theft, vandalism, fire, falling objects, or hailstorms.

It depends on your policy. Many full coverage policies extend to rental cars, but it’s best to check with your provider or agent.

Rates depend on factors like your driving history, vehicle type, location, age, credit score, and the coverage you choose.

This protects you if you’re hit by someone who has no insurance or not enough insurance to cover your damages.

MedPay covers medical bills for you and your passengers after an accident, regardless of fault.
PIP goes further — it also covers lost wages, essential services (like childcare or housekeeping), and sometimes funeral costs. Both cover injuries regardless of who caused the crash.