Final answer:
Auto liability insurance in Texas must cover bodily injury, death, and property damage. Additional coverages like PIP and uninsured motorist protection are available and protect against various damages and medical expenses in auto accidents.
Step-by-step explanation:
In Texas, the auto liability insurance policy a driver carries must provide coverage for bodily injury, death, and property damage. These are basic coverages that ensure that in the event of an automobile accident, the policyholder is financially protected against costs that arise from injuring others or damaging their property. Uninsured and underinsured motorist coverage is also highly recommended, though it may not be legally required, to protect against damages caused by drivers who do not have adequate insurance.
Personal Injury Protection (PIP) and medical payments are often available as additional coverages in many states, including Texas, providing benefits for medical expenses, regardless of who is at fault. The importance of having an auto insurance policy is clear: It acts as a financial safety net, paying out when car-related expenses are incurred due to damages or theft, aligning with the examples outlined where insurance provides critical financial support during unexpected events.