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Is Texas Considered a No-Fault Insurance State?

Texas is not a no-fault insurance state. According to the Texas Department of Insurance, drivers are responsible to pay for an auto accident they cause. Your liability coverage will pay, up to its stated limits, to repair or replace the other driver’s’ vehicle and reimburse their (and their passengers) for medical expenses they incur as a result of an accident you cause.

In Texas, you must have insurance to satisfy the financial responsibility law. You must have an in-force policy with minimum liability limits of $30,000 for each person, $60,000 per accident claim and $25,000 for property damage per event. Remember, this is the minimum auto coverage you need to drive in Austin, Lakeway, Kyle, Buda or anywhere else in Texas.

With the prices of vehicles and medical care costs, these minimums are often insufficient to cover the other driver’s expenses if an accident is your fault. Your independent agent can advise you and give you multiple quotes for affordable premiums for the policy and protection you need.

No-fault protection sounds beneficial on paper. However, one no-fault state after another has dropped or modified its auto insurance laws in the past 15 to 20 years. While evidence of financial responsibility remains a vital state insurance component, liability insurance does not pay for the repair of your vehicle or reimburse your personal medical expenses.

An accident more serious than a minor bumper tap can result in a claim that far supersedes state minimum limits. We can help you satisfy minimum Texas insurance requirements, while also finding affordable optional coverage that better protects you from potential financial disaster.

Your independent agent can help you find the affordable policy and coverage you need to protect yourself. Unlike a no-fault state, Texas drivers must avoid an accident that is deemed their fault. Often, this is a difficult challenge. We can help you protect yourself at a cost you can afford. Why not call your experienced insurance agent now to get the advice you need along with multiple quotes from different companies? Don’t wait, as an accident typically happens at the most inconvenient time.

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