Automobile Insurance for Schools in Texas

Legal Requirements for Auto Insurance

Under Texas law, school districts are mandated to carry auto liability insurance for all district-owned vehicles. The Texas Tort Claims Act limits a district's liability to:

$100,000 per person
$300,000 per occurrence
$100,000 for property damage

These limits apply to bodily injury and property damage resulting from the operation of motor vehicles by district employees during their official duties.

Trust PEAT for School Auto Insurance in Texas

Protect Your Bottom Line

Avoid costly surprises with coverage for repairs or replacements after accidents, vandalism, or weather-related damage.

Demonstrate Risk Responsibility

Show your commitment to safety, responsibility, and financial stability with comprehensive automotive coverage.

Safegard Student Transit

Ensure students and staff get where they need to go with automotive insurance that gets your vehicles back on the road fast.

Coverage Highlights

Broadened Definition of Member

Clarifies and expands who is covered under the policy, ensuring key personnel and entities are included.

Blanket Additional Members

Automatically covers additional parties (like school volunteers or contractors) without needing to name them individually.

Fellow Employee Amendment

Extends coverage to allow for liability claims between employees—an important exception in many policies.

Hired and Non-owned Liability Included

Covers liability when employees drive vehicles the district doesn’t own (like rentals or personal vehicles used for work).

Hired Car Physical Damage Included ($50,000 limit – $1,000 deductible)

Provides physical damage coverage for rented or borrowed vehicles used for district business.

Fleet Automatic Coverage Applies

Newly acquired or disposed vehicles are automatically covered, as long as changes are reported within 30 days.

Disclaimer: The Coverage Document, not this webpage, forms the contract between the Member and the Pool. The Coverage Document contains limits, exclusions, and conditions that are not listed here. All coverages are subject to individual underwriting judgments and to state legal and regulatory requirements. This webpage is provided for informational purposes only.