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Texas is a “AT-fault” state for car accidents

Feb 1, 2022 | 18-Wheeler Accident, Car Accidents, Motorcycle Accident, Personal Injury

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When you’re in a vehicle accident in Texas, the repercussions can stretch on for months, years, or even the rest of your life. Medical expenses lost income, and other costs can mount up after an accident. There are lots of results that happen after a wreck and these can take time to resolve. Ultimately, someone has to pay for them. You are responsible is determined by rather your state is an “at-fault” state or a “no-fault” state.
That’s why you need to understand how you can get compensation for a car accident in Texas. The insurance system is complex, and a mistake can significantly affect your future. The best way to pursue car accident compensation is to get a lawyer who knows the system on your side. Walker Texas Lawyer is that personal injury attorney.

Texas Is An “At-Fault” State

Also known as a “tort” state, Texas is one of the 38 at-fault states. This means that the party that is found to be at fault for the accident will be responsible for compensating the injured party for the amount he or she is responsible for. A state’s status as a “fault state” has a greater impact on the responsibilities of insurance companies.
Because fault states require the at-fault driver to compensate the injured party, each fault state has its own required minimum coverage amount. Generally, these coverage amounts are separated into three categories:

  • The amount each injured person is covered.
  • The coverage amount per accident.
  • The coverage amount for property damage per accident.

In Texas, the current minimum liability limits are listed as 30/60/25 coverage, which means that the limits are:

  • $30,000 for each injured person;
  • Up to $60,000 per accident; and
  • $25,000 for property damage per accident

Generally speaking, when you’re hurt in a car wreck, you have two options:

  • File a “third-party” injury claim with the at-fault driver’s insurance company.
  • File a car accident lawsuit against the at-fault driver. In this method, their interests will be represented by their insurance company.

If you have certain types of coverage on your auto insurance, you may also be able to file a “first-party” claim with your own insurance company.

What Happens If You Are Partially At Fault?

Texas is a “modified comparative fault” state with a 51% bar. That means damages for a car accident are divided between the at-fault parties in proportion to their percentage of fault. For instance, if two other motorists were each 70% and 30% responsible for your accident, then you would get 70% of your compensation from the first motorist and 30% from the second motorist.
The modified comparative fault rule means that you can recover as long as you aren’t more at fault than the other party. So if you are 30% at fault, you can recover, but your recovery will be reduced by 30%. If you are 51% or more at fault, though, you can’t recover compensation at all.

Other Parties Could Potentially Pay

Most car accidents are the responsibility of a careless driver. However, there are situations where another party can be held responsible.

  • Vehicle manufacturer: Manufacturers are responsible for making sure their cars are safe and reliable. They can be held accountable if they don’t meet that responsibility. For example, if you were hit because the brakes failed on the car behind you, you may be able to sue the manufacturer to get compensation for the rear-end accident.
  • “Dram shop” liability: The Texas “dram shop” law allows victims to pursue compensation for drunk driving accidents from bars, restaurants, and other businesses that serve alcohol, under some circumstances. To have a dram shop claim, you need to show that the business served alcohol to someone who was “obviously intoxicated to the extent that he presented a clear danger to himself and others”. Also, you need to prove that the patron’s intoxication caused your injuries.

Your Car Accident Claim Should Include Compensation For All Your Losses

Depending on the extent of your injuries, your car accident could be worth hundreds of thousands or even millions of dollars. Some of the damages that should be included in your claim include:

  • Medical bills, medication, medical devices, surgery, physical therapy, ongoing care, and other medical expenses.
  • Lost wages and lost future earnings
  • Modifications to your home or vehicle to accommodate a disability.
  • Pain and suffering, and emotional distress.
  • The reasonable cost of replacement services that you cannot perform due to your injuries.
  • Property damage, including the diminished resale value of your vehicle.

For example, if you sustained a spine injury in a car accident, your claim should include not only immediate medical treatment but ongoing care like physical therapy or pain medication. Your claim should pay for any medical devices you may need or mobility aids. If the accident increased the likelihood that you will need future back surgery, that cost should be accounted for in your injury claim as well.

Work with Walker Texas Lawyer

After being involved in a vehicle crash, insurance companies are typically one of the first entities that will contact you or that you might contact yourself. All major insurance companies have lawyers on their team that are ready to minimize the compensation that you receive. They may even deny your claim altogether. Walker Texas Lawyer can provide you protection from the other party’s insurance legal team’s tactics. With Texas bing an “at-fault” state, don’t handle the insurance companies alone. James Walker will protect your rights and guide you through the legal process.
Being involved in a motor vehicle accident is a stressful experience. The statute of limitations is usually two years from the date of the accident, but that can vary depending on the circumstances. Moreover, it’s important to start investigating and building your case before evidence disappears and witnesses forget what they saw. Having legal experience on your side will help you maximize the compensation and justice. Walker Texas Lawyer has over 40 years of legal experience.  He will fight for you.  Remember, “You Don’t Pay Unless We Win”.  He is the Houston Car Accident Attorney. Call us today or fill out our form online for a free initial consultation.


For more information, contact Houston’s accident law firm of Walker Texas Lawyer by calling (713) 552-1117.

Walker Texas Lawyer
3100 Timmons Ln Suite #401
Houston, TX 77027

Walker Texas Lawyer – Pasadena
4008 Vista Rd Suite #202B
Pasadena, TX 77504

Walker Texas Lawyer – Montrose
2238 Richmond Avenue
Houston, Tx 77098

Walker Texas Lawyer – Texas City (Walker Texas Lawyer Arena)
9300 Emmett F. Lowry Expressway
Texas City, Tx 77591


(713) 552-1117


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Walker Texas Lawyer - (Principal Office)

3100 Timmons Ln Suite 401
Houston, Tx 77027


Call: (713) 552-1117

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Walker Texas Lawyer - (Montrose Location)

2238 Richmond Avenue
Houston, Tx 77098


Call: (713) 280-7985


Walker Texas Lawyer - (Pasadena Office)

4008 Vista Rd Suite 202A
Pasadena, TX 77504


Call: (281) 545-5158

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Texas City, Tx 77591


Call: (713) 331-6848



Areas We Serve

Walker Texas Lawyer is located in Houston, just off the southwest freeway near the corner of Edloe St and West Alabama St. We serve clients throughout Texas. Injured in a car, motorcycle, offshore, or industrial accident? We can help you get the compensation you deserve. The following are some areas we serve:

About Walker Texas Lawyer

James Walker - Walker Texas Lawyer James Walker is a Personal Injury Attorney in Houston, Texas. He has over 40 years of legal experience and has helped over 25,000 clients. This means he has demonstrated his extensive knowledge of legal procedures. He knows how to handle insurance companies. If insurance companies refuse to give you a fair shake, they will take the insurance companies to court. He knows the law inside and out. He knows what he’s doing.

Walker will try to settle your case without going to court. But if that doesn’t work, he is ready and prepared to take your case before a judge. He is Houston’s Personal Injury Lawyer for a reason; he will fight for you, seek the maximum compensation on your behalf, and make sure you get what you deserve after an accident.