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An Overview of Car Insurance Rules in Texas

An Overview of Car Insurance Rules in Texas

Dealing with insurance companies after a car accident can be a confusing and frustrating experience. Following the confusion and shock of impact, several questions will undoubtedly enter your mind. Who is financially responsible for the collision? Who will pay for my medical bills? Will my insurance or the other driver’s insurance pay for the damages? What do I do if the other driver doesn’t have insurance?

Texas operates under a fault-based car insurance system, meaning that drivers are required to pay for the accidents they cause. As such, drivers must purchase an auto insurance policy that meets the state’s financial responsibility requirement.

All drivers in Texas must have the following minimum coverage:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage per accident

This basic liability insurance pays others for their injuries and damages, rather than those of the policyholder. Other types of coverages do exist that can help cover these types of expenses, including personal injury protection, uninsured or underinsured motorist, medical payments, collision, and comprehensive coverage.

Seeking Compensation After a Collision

After an accident occurs, drivers, passengers, and pedestrians who are injured are given three options in which they may pursue compensation: 1) file a first-party claim with their own auto insurance, 2) file a third-party claim with the other driver’s insurance, or 3) file a lawsuit against the at-fault party in pursuit of economic and non-economic damages if their losses exceed the limits of the at-fault driver’s insurance policy. Car accident lawsuits in Texas follow a Modified Comparative Negligence rule, meaning that an injured party may not recover damages if the courts find that they are 51 percent or more at fault for a collision.

If you have been injured in a car accident in Texas, our knowledgeable team of Corpus Christi car accident attorneys at Brunkenhoefer, P.C. Injury Attorneys can walk you step-by-step through the insurance process and help you pursue full compensation for your losses. Backed by numerous positive client testimonials and a proven track record of success, we have what it takes to help you get through this difficult time. Call (855) 812-1100 or schedule a free case review today to get started.

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