What coverage does TAIPA offer in Texas?

What coverage does TAIPA offer in Texas?

TAIPA is the Texas Automobile Insurance Plan Association. TAIPA states that only minimum limits are available through the plan, which are currently 30/60/25¹.¹ The Texas Department of Insurance (TDI) says TAIPA sells liability, personal injury protection and uninsured/underinsured motorist coverages. TDI also says TAIPA does not sell collision or comprehensive coverage, and it does not sell higher liability limits than state law requires.² The sources give no price for any of these coverages. TDI describes what the plan sells in these words:

TAIPA sells liability, personal injury protection, and uninsured/underinsured motorist coverages. It doesn’t sell collision or comprehensive coverage or higher liability limits than state law requires.

What else do the sources say TAIPA does and does not provide?

Feature	What the sources say
Physical damage coverage	TAIPA states that physical damage coverage is not available through the plan.1
Policy length	TAIPA states that only annual policies are available through the plan.3
SR-22	TAIPA states that a Texas SR-22 may be issued by TAIPA on behalf of the assigned company.3

What the sources do not state

The sources do not explain what each number in the limits stands for, and they do not give a cost for any coverage.

Next step

TDI publishes its description of the plan on its consumer page about the Texas Automobile Insurance Plan Association. The site also has a filing lookup tool.