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Is Texas a no fault insurance state?

No, Texas is not a No Fault state. Texas is an at-fault state. This means that the person responsible for the accident is also responsible for paying for damages. Texas' auto laws allow injured accident victims the ability to hold liable parties accountable for the damages they caused.

When did liability insurance become mandatory in Texas?

1991 \u2013 The 72nd Legislature passed House Bill (HB) 2 and HB 62, the most comprehensive insurance reform legislation in Texas history, affecting everything from ratemaking to the compulsory auto insurance liability law.

What is considered liability insurance on a car?

Auto liability insurance protects you if you're legally responsible for injuries or property damage in a car accident. So instead of paying out of pocket to cover another person's medical bills or repair their car, your insurance steps in to pay for some or all of the injured party's expenses.

What is Texas liability car insurance?

Texas law requires drivers to show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability insurance pays to repair or replace the other driver's car, or other damaged property, and pays other people's medical expenses when you're at fault in an accident.

What does the liability insurance cover?

Liability insurance specifically covers damages caused to other cars, property, and even people. Damage to your vehicle could be covered by collision coverage or replacement cost coverage if it's included in your insurance policy.

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Is liability insurance the same as regular insurance?

Liability coverage protects you from the other driver's expenses should you cause an accident, while a full coverage policy also covers your own vehicle's damages, regardless of whether the damage is from a collision or not.

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Is liability insurance the same as regular insurance?

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