Texas is not a no-fault state when dealing with car accident claims. Texas is an at-fault, or tort, state when it comes to auto accident cases. That means the driver who caused the crash is responsible for damages suffered by the victim. Another difference between a tort state and a no-fault state is crash victims have the right to file lawsuits against at-fault drivers. However, most car accident claims are resolved through an insurance settlement because drivers are required to purchase liability insurance.