Is Texas A No Fault State For Car Accidents?

Is Texas A No Fault State For Car Accidents?

As you drive the open roads of Texas, you expect to travel safely to your destination. However, motor vehicle accidents happen frequently, and Texas averages over 3,000 car accidents per day. If you're involved in a collision, you'll need to understand Texas car accident laws to protect your rights. Specifically, you'll want to know if Texas follows a no-fault system or traditional tort liability. Discussing your case with a texas car accident lawyer is always a good idea. 

What Is a No Fault State?

A “no-fault” state refers to a jurisdiction where vehicle owners can recover damages from their own insurance companies after an accident, regardless of who caused the crash. In contrast, “at-fault” states require determining fault before damages can be recovered.

How No-Fault Insurance Works

In no-fault states, vehicle owners pay insurance premiums for personal injury protection (PIP) coverage to protect themselves in the event of an accident. After a crash, you can file a claim with your own insurance provider to recover damages like medical bills, lost wages, and other expenses up to the PIP policy limits, regardless of who caused the accident.

This allows for faster compensation since you don’t have to determine who's at fault before recovering damages. However, it also means you typically can’t pursue a liability claim against the other driver. Some no-fault states do allow liability claims for severe injuries or if damages exceed PIP limits.

Is Texas a No-Fault State?

Texas follows an “at-fault” system. To recover damages after an accident in Texas, you must prove the other driver was negligent or mostly at fault. Texas does require minimum liability coverage and personal injury protection (PIP) coverage. However, PIP only covers basic expenses up to $2,500 and does not prevent you from pursuing an at-fault claim.

So in summary, Texas is not a no-fault state. Vehicle owners cannot recover damages from their own insurance companies after an accident unless the other driver is found mostly at fault. For the best protection, Texas drivers should consider purchasing optional coverages beyond the minimum requirements.

Is Texas a No Fault State for Auto Accidents?

Is Texas A No Fault State For Car Accidents?

2. Is Texas a No Fault State for Auto Accidents?

Texas is not a no-fault state for auto accidents. This means that drivers can pursue compensation for medical bills, lost wages, and other damages from the at-fault driver after an accident. To recover damages in Texas, you must prove that the other driver was negligent and caused the collision.

Some states follow no-fault insurance laws, meaning each driver's own insurance covers their costs after an accident, regardless of fault. However, Texas uses a traditional tort system where the at-fault driver can be held liable. Drivers must carry a minimum amount of liability coverage in case they cause an accident, but accident victims can also file a claim against the at-fault driver's insurance policy to recover damages.

If the other driver was clearly at fault for the accident, their insurance company will typically work to settle the claim. However, if liability is disputed, the victim may need to file a personal injury lawsuit to prove negligence and recover full compensation. An experienced car accident attorney in Texas can help build a strong case, gather evidence from the accident scene, deal with insurance companies, and take the case to court if necessary.

While no-fault states aim to reduce litigation, Texas allows accident victims to receive fair compensation when another driver caused their injuries or vehicle damage through negligence or reckless behavior. The ability to hold at-fault drivers responsible and recover damages is an important protection for motorists and their passengers in the Lone Star State.

How Fault Is Determined in Texas Car Accidents

In Texas, car accidents are determined based on the concept of “fault,” meaning the person who caused the accident is typically liable for any resulting harm or damages. As a “fault” state, Texas uses the negligence standard to establish liability in car accidents.

How Negligence Is Proven

To prove negligence in a car accident claim, the plaintiff (the person filing the claim) must establish four elements:

  • Duty: The defendant (the at-fault driver) owed a duty of care to the plaintiff (and others on the road) to operate their vehicle responsibly.
  • Breach: The defendant failed to exercise proper care and caution, breaching their duty. Examples include speeding, drunk driving, distracted driving, etc.
  • Causation: The defendant's breach of duty directly caused the collision and the plaintiff's injuries or damages. The breach was the proximate cause of the accident.
  • Damages: The plaintiff suffered actual losses or harm as a result of the defendant's negligence, such as medical bills, lost wages, vehicle repairs, pain and suffering, etc.

If the plaintiff can prove all four elements by a preponderance of the evidence, the defendant will typically be found at fault for the accident. Fault is apportioned based on the degree to which each driver's negligence contributed to the crash. The plaintiff can then recover damages from the at-fault driver's insurance provider.

In some cases, fault may be split between multiple drivers. Texas follows the doctrine of comparative responsibility, meaning a plaintiff's recovery may be reduced based on their percentage of fault. For example, if the plaintiff is found 30% at fault and the defendant 70% at fault, the plaintiff's damages award would be reduced by 30%.

By determining fault based on negligence and comparative responsibility, Texas aims to promote safer driving and ensure that victims of car accidents caused by another's negligence are fairly compensated. The outcome ultimately depends on the specific facts of each collision and the evidence presented in court.

What to Do After a Car Accident in Texas

What to Do After a Car Accident in Texas

If you are involved in a motor vehicle accident in Texas, there are several steps you should take immediately following the incident.

First, call 911 to report the accident and get medical assistance if anyone is injured. Even if injuries seem minor, it is best to get checked out by emergency responders.

Next, call the local police to report the details of the accident. Provide information about the other driver(s) involved, including their name, address, license plate number, and insurance details. The police will come to the scene, take statements from all parties involved, and may issue citations if any traffic laws were violated. Be sure to get the police report number for insurance and legal purposes.

Exchange information with the other driver(s), including name, address, phone number, license plate number, driver's license number, and insurance details. Take pictures of the vehicles involved, the surrounding area, and any visible injuries.

Contact your insurance provider as soon as possible to report the accident and file a claim. Your insurance company may have additional steps for you to take to ensure your claim is processed promptly and accurately.

See a doctor for a checkup, even if you feel fine. Injuries like whiplash may not become apparent until hours or days after an accident. Getting properly diagnosed and treated will also help support any injury claims.

Consider contacting a personal injury attorney if the accident was serious or caused extensive damage or injury. While Texas operates under a "fault" system for insurance claims and liability, an attorney can help ensure you receive fair compensation for medical bills, missed work, pain and suffering, and other damages.

By following these steps after a motor vehicle accident in Texas, you can take care of your health and safety, report the necessary details to the proper authorities, and protect your legal and financial rights. Be sure to remain calm and courteous, as getting upset or confrontational can only make the situation worse.

Working With a Personal Injury Attorney in Texas

Working With a Personal Injury Attorney in Texas

If you have been injured in a car accident in Texas, it is in your best interest to consult with a personal injury attorney. Texas operates under a tort liability system, meaning that fault must be proven to hold another driver financially responsible. To determine fault and liability in your accident, a personal injury attorney can investigate the details of your crash.

A skilled attorney will review factors like traffic camera footage, conduct interviews with witnesses, examine police and accident reports, and consult with accident reconstruction experts. They can build a case to prove the other driver's negligence and secure a settlement to cover your financial losses. Medical bills, lost wages, pain and suffering, and property damage can all be included in a personal injury claim.

An attorney can handle all correspondence and negotiations with insurance companies on your behalf. Insurance providers are focused on their bottom line, not your wellbeing. A legal professional is adept at dealing with adjusters and can push back against lowball settlement offers. They understand how much your claim is worth and will fight for full and fair compensation.

Hiring an attorney on contingency means you have little to no upfront legal costs. Attorneys receive a percentage of your final settlement, so they are incentivized to maximize your claim's value. If no settlement is reached, an attorney can file a lawsuit to take your case to court.

While Texas is not a no-fault state, working with a personal injury attorney is the best way to determine who is at fault in your accident and pursue damages. An experienced attorney can alleviate the stress of dealing with insurance companies and build a strong case for fair compensation so you can focus on recovering from your injuries.

Call A Texas Car Accident Lawyer At Fletcher Law

If you have been in a car accident in Texas, it is important to understand whether Texas is a “no fault” state. In a no fault state, each driver's insurance covers their own vehicle damages and medical expenses regardless of who caused the accident. Texas is not a no fault state.

In Texas, the at-fault driver can be held liable

In Texas, the at-fault driver can typically be held liable for damages and injuries resulting from a car accident. This means that the insurance company of the at-fault driver will usually cover:

  • The cost of repairs to the other driver's vehicle.
  • Medical bills for any injuries to the other driver or their passengers.
  • Lost wages if injuries prevent the other driver or their passengers from working.

To recover these costs, the other driver will typically need to file a claim with the at-fault driver's insurance company. If that is unsuccessful, they may need to pursue a personal injury lawsuit against the at-fault driver.

Call a car accident attorney for help

If you have been in an accident caused by another driver in Texas, call a car accident attorney at Fletcher Law for help. They can:

  • Investigate the accident to determine who is at fault.
  • Negotiate with insurance companies on your behalf to seek fair compensation for your damages.
  • File a personal injury lawsuit against the at-fault driver if an insurance settlement cannot be reached.
  • Help ensure you receive coverage for medical bills, vehicle repairs, lost wages, and pain and suffering.

Don't delay - call a Texas car accident lawyer at Fletcher Law today for a free case evaluation. They can advise you of your legal rights and options so you get the maximum compensation you deserve. Call Fletcher Law for help today. 


You now understand that Texas employs a traditional tort liability system for car accidents, not a no-fault system. This means that in order to recover damages, you must prove that the other driver was at fault for causing the collision. While this places more of a burden on accident victims, it also allows for the possibility of higher compensation. If you've been in a car accident in Texas, don't delay in contacting an experienced personal injury attorney. They can investigate your crash, determine fault, and fight to get you the maximum settlement or award possible under the law. Though the road to recovery may be long, you deserve to be fully compensated for your injuries and losses. Putting your trust in the right legal team is the first step towards getting the justice you deserve.