Is Texas a fault or no fault state? My father recently met with an accident and we are still waiting for the accident report to determine the fault.Thanks...
I am a licensed insurance agent in Texas, have been since 1991. Also carry my Certified Insurance Counselor designation.
Posted: Thu Sep 24, 2009 06:25 pm Post Subject:
Interesting... the first few links I read stated it was. I looked at a few more and they state no.
I'd certainly go with what ITC posted.
Posted: Fri Sep 25, 2009 03:19 pm Post Subject:
Some of the confusion may be because Texas auto policies are required to included Personal Injury Protection (no fault coverage) unless the named insured rejects the coverage in writing. That may be what leads some to believe we are a no-fault state.
Posted: Fri Sep 25, 2009 08:23 pm Post Subject: Texas
I agree with ITC Texas is not a no-fault state.
Posted: Tue Dec 15, 2009 03:15 am Post Subject: motorcycle insurance
if you have collision and comprehensive ,why do you need uninsured motorist insurance . wouldnt your insurance company be obligated to pay even if it wasnt your fault .
Posted: Tue Dec 15, 2009 03:23 am Post Subject:
wouldnt your insurance company be obligated to pay even if it wasnt your fault
No, thats what underinsured motorist coverage does. It protects you if your car is damaged in an accident caused by a driver who has insufficient insurance coverage.
Posted: Mon Dec 21, 2009 11:14 pm Post Subject:
Great question MLJ. Yes, if you have collision insurance and you are hit by an uninsured driver in Texas, the damages to your vehicle would be covered (less your deductible).
Before I go on any farther, in Texas, there are two options for Uninsured Motorists:
So, as I said above, UM/PD would cover damage to your vehicle, less your deductible. If you carry both collision and UM/PD at the time of the accident, you as the policyholder have the right to pick which coverage would apply.
Many people ask "So why carry UM/PD?"
Well, some find it beneficial to have a UM claim versus a collision claim on their record. Personally, the insurers I have dealth with over the years would treat an uninsured motorists claim the same regardless of which coverage paid, as long as if it was a collision claim proof was submitted to show it was in fact caused by an uninsured driver. So personally, I don't find value in that reason.
Others only care about getting coverage in the event of an uninsured driver and are willing to absorb any loss they have for any other reason. In that case, UM/PD is less expensive than collision.
Do note, UM/BI covers bodily injuries covered by an uninsured driver. Collision only pays for the damage to the vehicle. However, you can purchase UM/BI without UM/PD.
Please remember, I only speak of how things are in Texas.
Posted: Thu Dec 16, 2010 10:46 am Post Subject: total loss
My daughter lives in Dallas and was hit by a drunk driver over a week ago. Dallas County just released the paper work after alot of hounding. My daughter let her insurance laps on a auto with a lean(had to choose between the note or ins. due to loss of job, didnt tell me!) The drunk totaled her car, no major injury's. Im worried about the time frame of his Insurance covering the loss of the car, because of the no-ins on her part and his DWI. Should I be? Will her car be paid off?
Posted: Thu Dec 16, 2010 01:49 pm Post Subject:
Answered in response to your duplicate post in another thread.
Posted: Wed Sep 23, 2009 11:38 pm Post Subject:
Texas is a "no-fault" state for injuries.
http://www.google.com/search?hl=en&source=hp&q=texas+no+fault&aq=f&oq=&aqi=g10
Posted: Thu Sep 24, 2009 05:31 pm Post Subject:
Texas is NOT a no-fault state.
I am a licensed insurance agent in Texas, have been since 1991. Also carry my Certified Insurance Counselor designation.
Posted: Thu Sep 24, 2009 06:25 pm Post Subject:
Interesting... the first few links I read stated it was. I looked at a few more and they state no.
I'd certainly go with what ITC posted.
Posted: Fri Sep 25, 2009 03:19 pm Post Subject:
Some of the confusion may be because Texas auto policies are required to included Personal Injury Protection (no fault coverage) unless the named insured rejects the coverage in writing. That may be what leads some to believe we are a no-fault state.
Posted: Fri Sep 25, 2009 08:23 pm Post Subject: Texas
I agree with ITC Texas is not a no-fault state.
Posted: Tue Dec 15, 2009 03:15 am Post Subject: motorcycle insurance
if you have collision and comprehensive ,why do you need uninsured motorist insurance . wouldnt your insurance company be obligated to pay even if it wasnt your fault .
Posted: Tue Dec 15, 2009 03:23 am Post Subject:
wouldnt your insurance company be obligated to pay even if it wasnt your fault
No, thats what underinsured motorist coverage does. It protects you if your car is damaged in an accident caused by a driver who has insufficient insurance coverage.
Posted: Mon Dec 21, 2009 11:14 pm Post Subject:
Great question MLJ. Yes, if you have collision insurance and you are hit by an uninsured driver in Texas, the damages to your vehicle would be covered (less your deductible).
Before I go on any farther, in Texas, there are two options for Uninsured Motorists:
Uninsured Motorists - Bodily Injury (UM/BI)
Uninsured Motorists - Property Damage (UM/PD)
So, as I said above, UM/PD would cover damage to your vehicle, less your deductible. If you carry both collision and UM/PD at the time of the accident, you as the policyholder have the right to pick which coverage would apply.
Many people ask "So why carry UM/PD?"
Well, some find it beneficial to have a UM claim versus a collision claim on their record. Personally, the insurers I have dealth with over the years would treat an uninsured motorists claim the same regardless of which coverage paid, as long as if it was a collision claim proof was submitted to show it was in fact caused by an uninsured driver. So personally, I don't find value in that reason.
Others only care about getting coverage in the event of an uninsured driver and are willing to absorb any loss they have for any other reason. In that case, UM/PD is less expensive than collision.
Do note, UM/BI covers bodily injuries covered by an uninsured driver. Collision only pays for the damage to the vehicle. However, you can purchase UM/BI without UM/PD.
Please remember, I only speak of how things are in Texas.
Posted: Thu Dec 16, 2010 10:46 am Post Subject: total loss
My daughter lives in Dallas and was hit by a drunk driver over a week ago. Dallas County just released the paper work after alot of hounding. My daughter let her insurance laps on a auto with a lean(had to choose between the note or ins. due to loss of job, didnt tell me!) The drunk totaled her car, no major injury's. Im worried about the time frame of his Insurance covering the loss of the car, because of the no-ins on her part and his DWI. Should I be? Will her car be paid off?
Posted: Thu Dec 16, 2010 01:49 pm Post Subject:
Answered in response to your duplicate post in another thread.
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