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With a car accident, parties involved may dispute who is at fault and often end up in court. To lessen the burden and make the process smoother and more efficient, no fault insurance was developed. No fault insurance provides only a limited amount of coverage- usually medical bills and loss of income- but other expenses such as pain and suffering are not covered. Nevertheless, with no fault insurance, your insurance provider must pay for medical treatment for you and your passengers, regardless of who is at fault.

It’s left up to the individual states to decide if they want to make no fault insurance a requirement.  Texas is not a no fault insurance state, meaning that by law, when there is an accident, someone is held responsible for compensating the occupants of the other vehicle for injury or property damage.

Texas Requirements

Currently, there are only 12 states that have mandatory no fault laws. Texas, as well as 10 other states have a combination of no-fault and tort law systems. In Texas, to drive legally, you are required to have liability insurance including bodily injury as well as property damage liability. This means if there is an accident that is determined to be your fault, you are responsible for paying for medical care for injuries to the people in the other vehicle as well as any property damage to cars or other structures. There are limitations with liability insurance, and it is often the case that the expense of an accident exceeds the maximum liability coverage benefit.

Remember, in many cases, state requirements are not adequate for providing the protection you need to cover you in the event of a serious accident. Texas requires $25,000 in bodily injury liability coverage as well as $25,000 in property damage. To avoid paying out-of-pocket expenses and enduring what could potentially become a financially crippling situation, consider purchasing auto insurance above these minimum requirements.  

Personal Injury Protection as an Option

In Texas, if you are at fault in an accident, and you do not carry Personal Injury Liability, you may need to look elsewhere for medical coverage for yourself and your passengers.  The costs of medical treatment due to a car accident will most likely be have to come from your health insurance plan. However, be sure to have adequate health insurance coverage to protect yourself and don’t make the mistake of waiting until your need it before deciding to buy.


Texas is not a no fault auto insurance state. What does this mean for you? Simple. You must be prepared to shoulder the responsibility if you are found to be at fault in an auto accident. To drive legally in the state, you are required to carry bodily injury as well as property damage liability to cover expenses for the other driver. But if you plan on getting medical coverage for yourself or your passengers, consider purchasing Personal Injury Liability coverage or ensuring your health insurance has adequate protections in place.
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