Getting into a car accident can be frustrating, especially if an out-of-state driver operated the other vehicle that hit you. Why would it be more frustrating? Not many people know this, but insurance minimums are different between states. In places that have a lot of tourist appeal and see tons of traffic moving in and out of the state—like Texas—it is common to see accidents involving Texas residents and out-of-state drivers. Our Dallas personal injury lawyers share what you should know and do in order to ensure that you are appropriately covered.
An Accident Texas Is an Accident in Texas
The first thing to note is that it doesn’t matter if the accident involves an out-of-state driver or not; Texas law handles an accident within Texas state lines. That means Texas laws about accidents and liability will determine who is at fault and what legal action can be taken by the victim.
The insurance requirements are also impacted. Texas insurance requirements override the other state’s minimum. Even if the out-of-state driver’s state has a lower minimum, it will automatically increase to match the Texas minimum.
Out-of-state drivers might be surprised to learn that Texas is not a “no-fault” state. No-fault states will have damages paid by each person’s insurance no matter who is at fault. Texas insurance companies pay based on each party’s degree of fault.
Understanding these differences can help you be prepared in the event of an accident with an out-of-state driver. At Mathias Raphael PLLC, we have represented numerous clients who have been injured in car accidents and other motor vehicle collisions. If an out-of-state driver has injured you or someone you love, contact our law firm today.