Should I Carry No-Fault Insurance?Given that all drivers in Texas are required to carry auto insurance, you might assume that buying no-fault insurance would be an unnecessary expense; however, a significant percentage of Texas motorists are uninsured or underinsured, and there’s always a chance that you will eventually be found at fault for a crash, so it’s a good idea to consider investing in no-fault insurance such as personal injury protection (PIP). You might also want to purchase uninsured/underinsured motorist coverage, collision coverage, and/or comprehensive coverage.
What Are the Minimum Car Insurance Requirements in Texas?In Texas, drivers must carry auto insurance that meets the following minimum limits:
- $30,000 in bodily injury liability coverage per person,
- $60,000 in bodily injury liability coverage per accident, and
- $25,000 in property damage liability coverage.
Who Might Be Liable for a Car Accident?The vast majority of car accident claims are brought against negligent drivers; however, there are circumstances when these cases involve other types of defendants. Depending on the circumstances, you may have grounds for a claim against:
- A government entity that failed to design or maintain the roads properly,
- The manufacturer of a defective auto part,
- The at-fault driver’s employer,
- A negligent pedestrian, or
- A negligent mechanic.