Understanding "At-Fault" vs. "No-Fault" in Texas Auto Accidents
What Texas Drivers Need to Know After a Collision
If you've been in a car accident in Texas, you may be wondering who pays for the damages. Texas follows an "at-fault" insurance system, meaning the driver responsible for the accident must cover the damages. But what does that mean for you? At Excellence Auto Collision, we help drivers navigate the repair and insurance process after an accident. Here’s what you need to know.
At-Fault vs. No-Fault: What’s the Difference?
At-Fault System (Texas Law) – The driver who caused the accident (or their insurance company) is responsible for covering repair costs, medical bills, and other damages.
No-Fault System – Some states use a "no-fault" approach, meaning each driver’s insurance covers their own damages, regardless of who is at fault. Texas is NOT a no-fault state.
How Fault is Determined in Texas
Insurance companies and law enforcement determine fault based on:
Police Reports – Officers document the scene and may indicate fault.
Traffic Laws – If one driver ran a red light or was speeding, they’re likely at fault.
Witness Statements – Third-party accounts can support your claim.
Vehicle Damage – The location of the impact can help reconstruct the accident.
What Happens If You’re Found At Fault?
If you're at fault in an accident, your liability insurance will cover the other driver’s vehicle repairs and medical expenses. Texas law requires:
$30,000 per person for injuries
$60,000 per accident for injuries
$25,000 for property damage
Your own vehicle repairs won’t be covered unless you have collision insurance. That’s where a trusted repair shop like Excellence Auto Collision comes in!
Why Choose Excellence Auto Collision for Repairs?
At Excellence Auto Collision, we specialize in:
Expert Collision Repair – Restoring vehicles to pre-accident condition
Insurance Assistance – We help you navigate the claims process
Hail Damage & Windshield Repairs – Complete auto body solutions
Fast, Reliable Service – We get you back on the road quickly
Serving Fort Worth, TX, and surrounding areas, our team ensures your car is repaired with quality craftsmanship and honest service.
Need Collision Repair After an Accident? Contact Us Today!
If you've been in an accident, don't let the insurance process overwhelm you. Trust Excellence Auto Collision to handle your repairs with care.
📍 Location: 13055 Harmon Road Unit #1109
📞 Call: (682) 250-3045
🌐 Email: office@excellenceautodfw.com
