Texas House Bill HB3095

Texas 2025 - 89th Regular

• Filed: 2/20/25

Caption

Relating to damage liability for a collision with a motorist who failed to establish financial responsibility.

Impact

The impact of HB 3095 on Texas law is considerable, particularly concerning the treatment of noneconomic damages. Under the new provisions, individuals unable to demonstrate financial responsibility cannot recover damages for physical pain, emotional distress, or any other noneconomic losses resulting from a collision. Conversely, exceptions are provided for situations such as when the motorist fulfilling the financial responsibility requirements could receive these damages or when certain categories of victims, such as minors or active military personnel, are involved. These amendments may lead to an increase in the burden of proof placed on victims seeking compensation, thereby complicating traditional legal recourse regarding automobile accidents.

Summary

House Bill 3095 introduces significant changes to the framework surrounding liability for collisions involving motorists who fail to establish financial responsibility. The legislation specifically amends Chapter 72 of the Civil Practice and Remedies Code, creating a new Subchapter C that outlines the liability rules applied in such scenarios. One of the primary objectives of this bill is to limit the recovery of damages for bodily injuries and property damage due to collisions when the responsible motorist has not met the financial responsibility requirements as defined in the Texas Transportation Code. This provision sets a clear precedent for motorists by holding them accountable in accidents when they do not have the requisite insurance coverage.

Contention

Notably, HB 3095 has introduced points of contention regarding its fairness and social implications. Critics of the bill may argue that the exclusion of noneconomic damages for uninsured or underinsured drivers could unduly disadvantage innocent victims, particularly those who might rely on such recoveries to cope with the aftermath of accidents. Supporters of the bill, however, contend that it promotes personal responsibility and incentivizes drivers to maintain appropriate insurance coverage, thereby potentially reducing the occurrence of uninsured collisions. The debate surrounding the bill’s consequences may play a pivotal role in its continued support and opposition within state legislatures.

Texas Constitutional Statutes Affected

Civil Practice And Remedies Code

• Chapter 72. Liability Of Motor Vehicle Owner Or Operator
  • Section: New Section

Transportation Code

• Chapter 601. Motor Vehicle Safety Responsibility Act
  • Section: 002