Al Boenker Insurance Blog
Is Texas a no-fault insurance state?Not at all, Texas belongs to the "at-fault state" as the majority of the states. But what does this mean? In short words, the party who causes the car accident will be responsible for covering the damages. This is only the case if you are not more than 50% responsible for causing the accident.Example: You hit another car and you were damaged, but the third party was responsible because they failed to stop at the stop sign. The third parties insurance company would cover your damages according to the policy limits. That's in the same way if you were at fault in a car accident. At-fault insurance is considered one of the fairest ways to solve a car accident. The responsible party should pay for the damages, which encourages citizens to be aware and become well behaved drivers.
Legal Minimum CoverageBy law, if you decide to drive a vehicle you are required to carry auto insurance. As a driver, you have to obtain the minimum liability coverage that include: protection to the third party's damage caused by you, his or her medical bills and some additional expenses. Those limits are best described as 30/60/25 coverage:
What happens if damage exceeds the coverage amount?
In Texas, an injured driver could sue the at-fault driver with the purpose to get the hole coverage for her or his injuries.
It is best to have comprehensive and collision coverages to ensure you and your vehicle are covered beyond the minimum limits. If the person that hit you only had limited liability you would not receive an additional coverage that you might need.
Other At Fault Insurance States:
Personal Injury Protection (PIP)
Personal injury protection is available in a few states as a required system and some others it is optional. The PIP is designed to cover your damages by your own company regardless of who is at fault.
What does No-Fault Insurance cover?
No-Fault Insurance focuses on covering health injuries caused by a car accident and doesn't cover auto body repair of your car or anyone.
No-fault insurance can provide a limited right to sue (economic losses and non-economic damages). Some states need victims to provide a recorded statement to get access no-fault benefits.