Accidents in which your action or inaction was determined to be the main cause.
Texas is NOT a no-fault state for auto accidents. You can, however, purchase uninsured motorist coverage.
No. The reason why you have car insurance is to protect you from at fault accidents.
Sometimes accidents just happen and no one is at fault. It is never the child's fault when parents divorce.
If you were at fault, yes.
To prevent overheating/damage/fire of the electrical components in a circuit.
California, Nevada, and Oregon are no fault states. If you need a complete list of all the fifty states that are no fault or driver fault states you can ask an insurance agent.
It is for insurance purposes. In accidents (auto) , they don't determine fault. Your insurer pays for you no matter who caused it.
Strike-Slip fault is the most common fault type in the San Andreas fault system.
Possibly. Insurance companies determine your rate by looking at characteristics that predict future loss. Think about this in terms of receiving a traffic ticket. If you get a speeding ticket, it doesn't cost the insurance company anything, but you can expect your rate to increase. The logic here is that behavior A has a correlation to the future probability of causing the insurance company to pay a claim. Studies have shown that people involved in not at-fault accidents tend to cause future at-fault accidents at a rate higher than those drivers that have not been involved in any accidents.
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
If the accident was not your fault (someone rear-ended you, for example), then you would claim on their insurance, and they would pay out.