FAQ: Is Texas a no-fault insurance state?

No. Texas is a “at-fault” state. In a no-fault insurance state, victims of car accidents turn to their own auto insurance provider to pay for medical expenses and lost wages. In Texas and other “at-fault” states, victims of traffic collisions file a claim against the insurance provider of the person who caused the accident. The at-fault individual is responsible for compensating you if they caused the accident.