Liability Insurance vs No Fault Insurance and The Unavoidable Accident Defense
There are two basic systems of auto insurance in the United States: liability insurance and "no fault" insurance. It is up to each individual State to decide which insurance system to use. Texas uses the liability insurance system. Liability insurance focuses on a driver's responsibility for injuring others whereas no fault insurance focuses on protecting the driver from perils. No fault insurance is much simpler to understand in that, it does read more