Car Accident Insurance in Texas, Explained
Short answer: Texas is an at-fault state, so the driver who caused the crash and their insurer pay in the end. Your own PIP or MedPay usually pays medical bills first, no matter who was at fault. The adjuster works for the insurance company, not for you.
A Fort Worth crash follows Texas insurance rules: the at-fault driver’s insurer pays, and your own PIP can cover early bills.
Who pays your medical bills after a Texas crash?
Usually your own PIP or MedPay pays first, then health insurance, and in the end the at-fault driver's liability insurer. Texas drivers must carry at least 30/60/25 liability coverage: $30,000 per injured person, $60,000 per crash and $25,000 for property (Tex. Transp. Code §601.072).
of Texas drivers were uninsured in 2023, about 1 in 7.
Source: IRC via Insurance Information Institute →U.S. drivers (33.4%) were uninsured or underinsured in 2023.
Source: Insurance Research Council, 2025 →Insurance guides
PIP and MedPay in Texas
How your own policy can pay medical bills and lost wages.
Read more →Letter of protection
How a lawyer’s letter lets you get care without paying upfront.
Read more →Talking to adjusters
What to say, what not to sign, and why they call so fast.
Read more →Property damage vs. injury claim
Why your car and your injuries are two separate claims.
Read more →Uninsured driver
What happens when the other driver has no insurance.
Read more →Can I use my health insurance for crash injuries?
Usually yes, but your health plan may seek repayment from your settlement. That's called subrogation, and the details vary by plan. A lawyer can help negotiate it. Read do I need a lawyer? or go back to the Fort Worth guide.
Want a lawyer to look at your case for free?
If you were hurt in a crash that wasn't your fault, in Fort Worth or anywhere else in Texas, you can ask for a free consultation. A participating personal injury law firm will reach out to you promptly. There's no cost to ask and no obligation.