“At Fault” refers to a driver who is legally responsible for causing an accident. When accidents happen, the insurers of both parties involved look at what happened and decide who is at fault. If it is clear who caused the accident, then that person’s insurance company will pay for any damage to property or people. Sometimes it is not clear who caused the accident. In these cases, a claims adjuster investigates to find out what happened.
To figure out who is responsible for an accident, claims adjusters talk to witnesses, look at police reports, and review what happened from the parties involved. They might also look at pictures of any damage to cars or property. If you are responsible for the accident, your insurance will pay for the damage to the other driver’s car and any medical bills they have up to the limits covered by the insurance policy. Your insurance rates might go up after this happens.
Is Texas a No-Fault State?
The short answer is no, Texas is not a No Fault state. This means that the person responsible for the accident is also responsible for paying for damages. Texas’ auto laws allow injured accident victims the ability to hold liable parties accountable for the damages they caused. If the other driver doesn’t have enough coverage to cover your expenses, you can then file a car accident lawsuit to recover the difference.
If you’ve been in a car accident, an experienced attorney can help ensure that Texas auto laws work to your advantage and maximize the compensation you receive. Navigating complex legal issues is made easy with their expertise.
Does Full Coverage Cover At Fault Accidents?
Full coverage insurance is not a specific type of policy, but rather an umbrella term that encompasses several different types of coverage. Generally speaking, full coverage includes liability, collision, and comprehensive coverage. Liability covers damage to other cars or property if you cause an accident while collision covers damage to your own car in the event of an accident. Comprehensive covers things like theft or flooding.
If you have full coverage insurance and are involved in an accident that is your fault, then both the collision and liability portions of your policy will cover any damages that result from the accident. The liability portion will cover any damages done to other cars or property involved in the accident while the collision portion will cover any damage done to your own car.
At Fault Synonyms
Liable, responsible, culpable