Do you know what a “no-fault auto insurance policy means?” A no-fault system requires drivers to purchase insurance to cover their own vehicle, medical expenses and passengers, regardless of who is at-fault. This protects you from being sued by other drivers. No-fault states include: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah, and Puerto Rico.
Does Texas Have No Fault Auto Insurance?
No! Texas does NOT have no fault auto insurance. Essentially, Texas requires drivers to purchase insurance with minimum limits to cover accidents they cause. Someone is always deemed at-fault in an accident in Texas. You must carry a minimum of $30,000 in liability, $60,000 per accident, and $25,000 for property damages.
Comparative Negligence in Texas
Sometimes it’s not all that easy to assign blame. Perhaps one driver was texting while driving and not quite paying attention, but the other driver was speeding way over the posted speed limit. In this case, the auto insurance provider may allow you to claim damages based on what percentage the other driver was to blame. For instance, if your medical bills cost $5,000 and it was determined the other driver was 60 percent to blame, you can demand $3,000 to cover your losses. In Texas, if you are over 49 percent to blame for an accident, you can’t seek compensation from the other driver.
Texas Auto Insurance
To avoid the expense of auto insurance in Texas, the best thing you can do is shop for free online quotes and try to find something reasonable. We work with only A+ rated companies and take no commission, so you’re guaranteed a great rate!