Is Texas an At-Fault or No-Fault State?
Who pays after a crash depends on the fault system your state uses.
- Fault system
- At-fault (tort)
The driver responsible for a crash — and their insurer — pays for the resulting damage.
- Comparative negligence rule
- Modified comparative — 51% bar
A claimant recovers nothing if found more than 50% responsible. Below that, damages are reduced by the claimant's share of fault.
- PIP minimum limit
- $2,500