Is my state a no-fault state? in Texas

Whether your state runs no-fault or at-fault, what PIP pays if you have it, the minimum liability limits the other driver had to carry, and whether uninsured motorist cover must be offered to you.

No-fault or at-fault

At-fault. The driver responsible for the crash, through their liability insurance, pays for the harm they caused.

Minimum liability limits

$30,000 per injured person, $60,000 per accident, $25,000 property damage — often written 30/60/25.

PIP / medical payments

Personal injury protection is included in every Texas auto policy unless you rejected it in writing. It pays your and your passengers' medical bills, and unlike medical payments cover it also pays lost wages and other non-medical costs.

Uninsured & underinsured motorist

Insurance companies must offer you uninsured and underinsured motorist coverage. It pays when the other driver had no insurance, did not have enough, or left the scene.

Deadline to start treatment

Not listed

Source: Texas Department of Insurance, Auto insurance guide: minimums of "$30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage"; "All auto policies in Texas include PIP coverage"; and on UM/UIM, "Insurance companies must offer you this coverage.". Verified September 23, 2026. Information, not legal advice.