Does the At-Fault Driver’s Insurance Cover Everything in Texas?

Many drivers assume that after an accident, the at-fault driver’s insurance will take care of everything from medical bills to car repairs to time missed at work. Unfortunately, that’s not always how it works.

Texas Is an At-Fault State

Texas follows the at-fault insurance rule, meaning the driver who caused the accident is responsible for covering damages. Their insurance company must compensate you for injuries, vehicle damage, and other losses. However, there are limits.

Most drivers in Texas carry only the minimum coverage, known as “30/60/25”:

• $30,000 for injuries per person
• $60,000 total per accident
• $25,000 for property damage

If your medical bills, lost income, and pain and suffering exceed these amounts, you could be left with significant out-of-pocket expenses.

When the At-Fault Driver’s Coverage Isn’t Enough

If your costs are higher than the other driver’s policy limits (or if the driver was uninsured) you may have to rely on your own policy to fill the gap. That’s where these coverages come in:

• Uninsured/Underinsured Motorist (UM/UIM): Helps when the other driver has no insurance or too little to cover your losses.
• Personal Injury Protection (PIP): Covers medical bills and lost wages, regardless of who caused the crash.
• Medical Payments (MedPay): A smaller form of coverage to pay for medical treatment right away.

An experienced attorney can help you identify all available sources of compensation and prevent the insurance company from minimizing your claim.

Why You Should Talk to a Local Lawyer

Insurance adjusters know that many people don’t fully understand their rights. They may pressure you to settle quickly—before you realize the true cost of your injuries. At Brushe Law, we regularly help clients in Sugar Land, Fort Bend County, Greater Houston area, and throughout Texas understand their coverage options and recover full compensation.

If you’ve been injured in an accident in Texas, call Brushe Law today for a free consultation.

We’ll review your policy, explain your options, and make sure you’re protected every step of the way.

Don’t face the insurance companies alone. Let Brushe Law fight for what you’re owed.