Fault & Liability in Car Accidents in TX

Texas is an at-fault state, so the driver who caused your crash pays. Here are the Texas-specific rules that decide who is liable and how much you can collect: the 51% negligence bar, required coverage, the two-year deadline, and damage caps.

Texas uses proportionate responsibility. If you're more than 50% at fault you recover nothing; at 50% or less, your damages drop by your share. Here's how Chapter 33 decides who pays after a crash.