Is Texas a no fault auto insurance state?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Wed Sep 23, 2009 6:43 pm   Post subject: Is Texas a no fault auto insurance state?  

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...

TSDAVIS
New member
Leave a quick message



Joined: 23 Sep 2009
Posts: 1


1.44 Dollars($)

PostPosted: Wed Sep 23, 2009 11:38 pm   Post subject:   

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 5999

Location: Salt Lake City, UT
360.72 Dollars($)

PostPosted: Thu Sep 24, 2009 5:31 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.



_________________

AnMarie Bozick, CIC

Insurance Technologies Corporation

www.insurancetechnologiescorp.com

Provding automation solutions to the insurance industry since 1983.
AnMarieB
Member
Leave a quick message



Joined: 21 Jul 2009
Posts: 61

Location: Dallas, Texas
18.76 Dollars($)

PostPosted: Thu Sep 24, 2009 6:25 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.

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 5999

Location: Salt Lake City, UT
360.72 Dollars($)

PostPosted: Fri Sep 25, 2009 3:19 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.



_________________

AnMarie Bozick, CIC

Insurance Technologies Corporation

www.insurancetechnologiescorp.com

Provding automation solutions to the insurance industry since 1983.
AnMarieB
Member
Leave a quick message



Joined: 21 Jul 2009
Posts: 61

Location: Dallas, Texas
18.76 Dollars($)

PostPosted: Fri Sep 25, 2009 8:23 pm   Post subject: Texas  

I agree with ITC Texas is not a no-fault state.

vshallow
New member
Leave a quick message



Joined: 23 Sep 2009
Posts: 6


2.57 Dollars($)

PostPosted: Tue Dec 15, 2009 3:15 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 .


_________________
Register Now to have your Insurance queries solved.
mjl
Guest







PostPosted: Tue Dec 15, 2009 3:23 am   Post subject:   

Quote:
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.
Trench
Senior member
Leave a quick message



Joined: 16 Sep 2009
Posts: 908

Location: Kansas City
152.85 Dollars($)

PostPosted: 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.



_________________

AnMarie Bozick, CIC

Insurance Technologies Corporation

www.insurancetechnologiescorp.com

Provding automation solutions to the insurance industry since 1983.
AnMarieB
Member
Leave a quick message



Joined: 21 Jul 2009
Posts: 61

Location: Dallas, Texas
18.76 Dollars($)

PostPosted: 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?


_________________
Register Now to have your Insurance queries solved.
Worried in VA
Guest







PostPosted: Thu Dec 16, 2010 1:49 pm   Post subject:   

Answered in response to your duplicate post in another thread.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7347
Highets Points
Location: Pomona CA
61.83 Dollars($)

PostPosted: Mon Feb 25, 2013 2:49 am   Post subject: Texas should be a no fault state  

I was in a car accident, and I was the driver. I was going 5mph under the speed limit and very cautious, when one tire blew out followed by a second one... I had no way of know or expecting this to happen, but yet I was told by the car insurance that drivers are at fault in the state of Texas . My family and myself were serverily injured, and if there was any way to have prevented this I would have, but it was random and unexpected. And it kills me to be told I am at fault for the injuries we all suffered.


_________________
Register Now to have your Insurance queries solved.
Pheart87
Guest







PostPosted: Mon Feb 25, 2013 3:04 am   Post subject:   

Quote:
And it kills me to be told I am at fault for the injuries we all suffered


Not sure why you posted that in this thread.



_Why_ the tire blew out determines fault. Lacking any info to show it was something in the road I could see where it m might be a maintenance issue if it were one tire. But two tires... that seems to indicate something in the road. Where all of the tires bought at the same time? Can you show that they had some tread left? I'd say it's an easy thing for the adjuster to say you were at fault but if this leads to a rate increase I'd fight it. Also, are you posting this because of UM coverage? It would not apply in this situation.


_________________

- If you did not start the original thread and have a new question... START A NEW THREAD!
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 5999

Location: Salt Lake City, UT
360.72 Dollars($)

All times are GMT
Page 1 of 1


Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 6.320 seconds.