Every state has a different approach to auto insurance requirements for residents. Most states are either fault or no-fault insurance. It is vital for drivers to understand whether their state is a fault or no-fault state to understand who would be liable in the event of a car accident. Our Houston car accident attorneys explain whether Texas is a fault or no-fault state.

What Is the Difference Between Fault & No-Fault?

No-fault insurance requires drivers to file a claim with their own insurer after an accident, regardless of who caused the collision. With no-fault insurance, everyone is entitled to benefits after a crash, even if they were at fault.

Fault insurance requires the party responsible for the accident to compensate the other party for any losses. Fault insurance states also allow those injured in an accident to seek compensation for their injuries. They can file a claim to get greater compensation to cover medical bills, lost wages, and more.

Texas: Is It a Fault or No-Fault State?

Texas is not a no-fault state. What this means is that there is a fault insurance requirement for every licensed driver in the state so that they pay for the accidents they cause. Drivers must have the minimum amounts of liability car insurance coverage, which is 30/60/25 in Texas. The minimum requirement breaks down to $30,000 for bodily injury liability per person, $60,000 for total bodily injury liability, and $25,000 for property damage. However, drivers can insure themselves with a higher limit to avoid paying out of pocket after an accident.

If you were injured in a car accident caused by another person, you are entitled to seek compensation for your injuries. Our Houston car accident attorneys can analyze your case and help you determine how much you should receive to cover related costs. Contact us today at (888) 273-1045!