Texas auto accident injury claims are governed by modified comparative fault rules and specific insurance standards.
1. The 51% Modified Comparative Fault Bar
Unlike California, Texas operates under a modified comparative negligence rule (the 51% bar). You can only recover damages if your share of responsibility is **50% or less**. If you are found to be 51% or more at fault for the crash, you are legally barred from recovering any compensation from the other drivers.
2. Texas Minimum Auto Insurance Limits
Texas minimum liability insurance requirements are significantly higher than California's, operating under the 30/60/25 rule:
- $30,000 bodily injury liability per person.
- $60,000 bodily injury liability per accident.
- $25,000 property damage liability.
3. Personal Injury Protection (PIP) Rules
Texas law requires auto insurance companies to offer Personal Injury Protection (PIP). Lenders must include at least $2,500 in PIP coverage unless the driver rejects it in writing. PIP covers immediate medical bills and lost wages regardless of who caused the collision.