Will My Insurance Go Up if the Other Driver Caused the Accident in Texas?

Generally no. In Texas, which uses an at-fault system, your insurance usually does not increase if the other driver caused the accident because liability is assigned to the responsible party. Under this system, the at-fault driver’s insurance is responsible for covering damages, and your insurer typically only becomes involved if the other driver is uninsured or underinsured.

Understanding the At-Fault System in Texas

Texas operates under a traditional tort liability system, meaning the driver who caused the accident is financially responsible for damages. Your own insurance generally does not pay for repairs or medical costs unless the at-fault driver lacks sufficient coverage, in which case your Uninsured/Underinsured Motorist (UM/UIM) policy can cover the difference.

When Your Insurance Might Increase

Although rare, your insurance could be affected if your policy considers claims history or if your insurer believes you contributed in some way to the accident. However, in clear-cut cases where another driver is fully at fault, your rates should remain unchanged.