Auto insurance is one of the most important items a driver must get as they embark on the road.
Throughout the United States, laws and regulations vary from one jurisdiction to another–insurance law is one of them. While some states are “no-fault” states, others aren’t–like Texas. But what does that mean for drivers?
Texas is a ‘Fault’ State
Texas is a ‘fault’ state, meaning that Texas has adopted a fault-based system regarding personal injury recovery and auto insurance.
This means that if you get into an accident in Texas or another ‘fault state,” the party found to be at fault for the accident is responsible for compensating the other party’s damages. Damages can range from medical bills, lost wages, and property damages. In Texas, the current liability coverage limits are 30/60/25.
Because Texas is a ‘fault state, ‘ it is extremely important that all drivers must have liability auto insurance. If you are in an accident and happen to be at fault, your insurance will come in handy when paying for the damages.
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