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Is Texas an at-fault state?
I know that in most states drivers who cause accidents have to pay for the damages. Is that true in Texas?
Sean Boehme · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes! Texas is, as most states are, considered to be an at-fault state. Unlike a no-fault state, an at-fault state requires a driver who causes an accident to pay their share of damages in the event of an injury.
There are 38 states that are considered at-fault states to only 12 that aren’t. Within each at-fault state, however, there are different rules that residents need to become familiar with.
Since Texas is a modified comparative negligence state, that means that a party who is found to be partially at fault for damages can still sue for damages. However, a party that is 51% or more at fault will not be able to recover damages.
Whether or not you live in an at-fault state has an influence on the car insurance you’re required to have. Texas drivers have the choice to opt-out of buying
Personal Injury Protection (PIP)
insurance if they so choose, but they will still need to buy:- $60,000 of bodily injury liability per accident
If you’re looking for a way to save on
car insurance in Texas
, you should consider downloading the Jerry app. Jerry
will sift through custom quotes from over 55 reliable car insurance providers in just minutes and present you with the most affordable rates.A
licensed broker
, Jerry can take care of switching over your plan right in the app—no phone calls or mountains of paperwork needed! Jerry users save over $800 on their car insurance coverage each year.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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