Texas auto insurance is based on the negligence law of the modified comparative, “not greater than”. What this means is that if you are found to be 50% or more negligent in an accident then you will be coded as negligent in an accident and your auto insurance rates will likely go up. Texas auto insurance laws make it possible for an accident to have more than one party be negligent for an accident, so, what does this mean?
First, this means that if an accident is 50% the responsibility of both parties, Texas auto insurance laws do not require one auto insurance company to pay for the repairs to the other’s vehicle. Basically a 50-50 accident with Texas auto insurance means that both parties are going to take care of repairs to their own vehicles.
If an accident is 60-40 then the party that is 60% responsible is negligent and that driver’s auto insurance pays for 60% of the repairs to the other party’s vehicle, according to Texas auto insurance law. The party that is 40% responsible is considered to have no fault in the accident and has to pay for none of the repairs to the other party’s vehicle.
Texas auto insurance laws make it so that the auto insurance companies are the ones that get to make the determination of who was at fault, taking that responsibility from the busy lives of law enforcement officers.
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