Posted On May 24, 2017 In Local Car Accidents
What is an at-fault state? Texas is an at-fault state, which means the driver that is responsible for the accident needs to compensate the other party for their injuries and damages to their vehicle. Proving which driver is at-fault can turn into a lengthy court battle.
Another reason the at-fault system can be tricky is when the other driver is uninsured or has less insurance coverage available than the amount of damage caused. In this circumstance it is important for you to have uninsured/underinsured motorist coverage on your auto insurance plan. In Texas, uninsured/underinsured motorist coverage is not required.
In some cases, your insurance rate can go up after an accident, even if it wasn’t your fault. It will depend on state laws and car insurance policies in your region.
The at-fault insurance system can create a strenuous process to find who needs to provide coverage to the other. If you were hit by an uninsured or underinsured driver, you will likely have to get your own insurance company to compensate for your damages which can be tricky.
Lufkin car accident attorneys at Mike Love & Associates, LLC can get you the best coverage available in an accident using experience navigating local laws involving accidents and insurance companies.