by wonsaponatyme78 » Sun Jun 08, 2014 03:08 am
Our daughter was in accident in the State of Texas. Two cars was at a traffic light waiting to turn left, when she rear ended the vehicle in front of her, which caused that vehicle to hit the one in front of them. Our daughter was the only one who was injured, although the other 2 vehicles was damaged. The police report says she was charged with failure to control speed. We thought Texas is a no fault state. So why did she get charged with failure to control speed? And will this cause our insurance to go up? With Texas being a no fault state, we thought each vehicle would be responsible for their own damage.
Posted: Sun Jun 08, 2014 04:04 pm Post Subject:
People confuse what "no-fault" is. What it really means is regardless of who's at fault, each injured person needs to have their own auto carrier address their medical expenses to a certain degree. It has _nothing_ to do with determining fault for the accident.
Posted: Mon Jun 09, 2014 07:44 pm Post Subject:
As tcope stated, "no fault" has only to do with medical expenses. Your daughter (and probably you, too) still have liability for the property damage which is not covered by no fault insurance laws.
If the insurance company believes the risk of anyone in your household causing another accident in the future has increased, so will your premiums.
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