Yes, they will pay for it. Bet Texas will have some of the highest insurance rates in the country in very shortly.
Too late with your prediction. Texas has had high rates for years.
Texas probably ALREADY has very high rates.
Renewed 21 May for 6 months: $2634 for 2001 and 2017 autos.
Had same agent and company for 25 years, with NO claims filed.
Reason for the high rates = accidents in the DFW area of Texas. Rural residents are probably much lower.