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Texas is an at-fault insurance state, which means if people get into a car accident, typically one or the other driver is “at fault” in the crash. Some states are “no fault”—each person involved must rely on his or her own auto insurance to cover all damages for himself or herself, even if the other driver was responsible. However, Texas assigns fault to the driver who was at fault in the crash, ...

Most states in the country require companies to provide workers’ compensation to employees injured on the jobs. However, Texas does not. Texas allows companies to opt out of workers’ comp and replace it with their own regulations. New employees also might not know what they’ve signed up for with all the new-hire paperwork they get handed until they actually get injured. For example, John Hernandez ...