Every Sunday we release a short blog highlighting an 𝐀𝐜𝐜𝐢𝐝𝐞𝐧𝐭 𝐋𝐚𝐰 to help educate Texas drivers about common Laws found in the Texas Car Accidents industry

𝐓𝐞𝐱𝐚𝐬 𝐢𝐬 𝐚𝐧 𝐀𝐭-𝐅𝐚𝐮𝐥𝐭 𝐒𝐭𝐚𝐭𝐞.

This means that the At-Fault party(s) insurance is responsible for compensating your Injury claim. This may seem like common sense, but some states are considered as “No Fault States” where each driver’s insurance covers their own injury claims.

An important distinction to be aware of is Texas doesn’t require drivers to have Uninsured Motorist Injury Coverage protection (UM-BI) on their insurance policies where drivers in Fault States must have it. This means if you are hit by a driver without Insurance in Texas, and you don’t have UM-BI, your chances of receiving a settlement go down drastically. 20% of Texas drivers don’t have insurance so it is a wise coverage to have.

If the At-Fault party has insurance that is a good start, but you also want to be aware of their available policy limits. The Minimum Limits in Texas is $30,000 per person / $60,000 per accident. This means if the At-Fault driver has Minimum Limits, and your individual case is worth more than $30,000, you will not be able to require the full value of your case from the insurance company. That said, if you did purchase UM-BI, that also means you purchased Under-Insured Motorist Injury Coverage protection (UIM-BI) which is a type of coverage that can give you an additional settlement from your own policy, if the value of your case is deemed higher than the At-Fault party(s) insurance limits.

Learn more about Texas Car Accident Laws here

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