Automobile insurance (both the defendant's liability insurance and your own UM/UIM and PIP policy) covers the insured vehicle, its owner, its driver (if using with permission) and all occupants of the vehicle. Also covered are family members of the named insured owner who reside in the same household. Minimum bodily injury liability limits in Texas are $20,000 per person or $40,000 per accident. Corporations and wealthier individuals usually carry higher limits or excess coverage. If the defendant driver was an employee on duty the employer's insurance coverage will apply. The defendant's insurer will refuse to tell you what the policy limits are, but you can get the information after you file suit. Coverages from separate applicable policies can be stacked. Some exclusions in the Texas standard auto policy have been held invalid, so you might have coverage even if the policy seems to say otherwise. Policies cancelled for non-payment of premium might still be valid if the cancellation was not done properly.