How Does Car Insurance Work in Texas?
Car accident insurance coverage varies from state to state. Some state insurance laws require no-fault insurance and other states require liability insurance. In addition, various states use a combination of no-fault and liability insurance.
With no-fault insurance, drivers submit claims to their insurance companies, and the insurance company covers damages up to a certain monetary amount based on the policy. Furthermore, insurance companies pay regardless of who was at fault for causing the accident. In effect, the person’s insurance company pays for all damages unless damages exceed a certain monetary limitation or serious injury threshold.
By comparison, with accident liability insurance, the insurance company of the at-fault party pays for the damages. Texas law operates based on liability insurance.
How Car Accident Insurance Coverage Works in Texas
Under state law, all Texas drivers must carry liability insurance. The Texas Department of Insurance requires drivers to carry at least $30,000 of liability coverage for injuries per person. The total insurance coverage per accident must be at least $60,000. Drivers must carry $25,000 of coverage for property damage. People refer to this type of insurance as 30/60/25 coverage.
Liability insurance requires drivers and insurance companies to determine the percentage of fault for every driver involved in the accident. If parties cannot agree on fault percentages, then a court ruling or dispute resolution could resolve the issue for them. Determining fault can be straightforward or it can be complex, depending on the factors involved with the accident.
When Would You Need a Lawyer for an Accident Claim?
When considerable property damage is involved, the insurance company may fight the damages or fail to award fair compensation. In addition, if you suffer serious injury, you should have an attorney to help you assess the damages. Damage estimates would include the amount of compensation necessary to cover medical, lost wages, future medical expenses and future lost wages. An experienced accident attorney has the necessary knowledge and skills to fight insurance companies on your behalf. They can help you obtain the compensation you deserve.
Rely on Our Experience
The Law Office of Michael R. De La Paz has represented victims in car and truck accidents for more than two decades. For clients throughout Texas, from Arlington to Laredo or Corpus Christi, we offer a free consultation to discuss the prospects of pursuing a case.
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