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No, Texas is not ano-fault state for auto insurance. Texas is an "at-fault" or "tort" state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident.
Since some insurers try to deny coverage if a person does not report a collision within 24 hours, it is best to report all accidents immediately. Even if you did not get a ticket at the scene of the accident, report it to your insurance company.
Your insurance provider is only liable for payment up to your policy limits. If a car accident victim sues you and receives a judgment for more than your car insurance policy limits, you are personally liable for the amount above your policy limits.
You need to report a motor vehicle accident in Texas to the police if there is an injury or fatality, the vehicles cannot be moved, or if there is property damage over $1,000. You have a 10-day window after the accident to report to the police, but getting the process started sooner can be beneficial.
Texas is a fault state for car accidents and other motor vehicle accidents. The person who caused the crash can be held financially liable for damages caused by the wreck. In most cases, car accident cases are settled between the at-fault driver's insurance company and the victim.
In Texas, you can file a lawsuit or insurance claim against the at-fault driver. All drivers may be held liable for the damage they caused. If you have liability insurance through your insurer, you should be covered up to a certain amount. Call your insurer to report the accident as soon as possible.
If your insurance company denies the claim or refuses to pay a settlement amount the injured party will accept, you might be sued by the injured party. The lawsuit claims that you caused the accident and should be held liable for the injured party's damages.
Texas law requires drivers to report a car accident when: Someone was injured in the car accident. A person died because of the car accident. The car crash caused more than $1,000 in property damage.