<p>If you are shopping for car insurance in Texas, one of the first questions you may have is what a policy actually covers. The short answer is that it depends on the coverages you choose, but understanding the basics can help you make better decisions and avoid gaps that only show up after a claim.</p>
<p>In this article, we will explain the most common parts of a Texas auto insurance policy, what they do, and how they work together. If you are still comparing options, you can also review our <a href="/personal/car-insurance">car insurance page</a> for more help.</p>
<h2>Table of Contents</h2>
<ul>
<li><a href="#minimum">What is the minimum car insurance required in Texas?</a></li>
<li><a href="#liability">What does liability coverage pay for?</a></li>
<li><a href="#physical-damage">What do collision and comprehensive cover?</a></li>
<li><a href="#other-coverages">What other coverages should you consider?</a></li>
<li><a href="#how-to-choose">How do you choose the right coverage?</a></li>
</ul>