If you have been involved in a collision on the 610 Loop or a busy intersection in Downtown Houston, one of the first questions you might ask, aside from "Am I okay?", is "Whose fault was this?" In many cases, the answer isn't black and white. Perhaps the other driver ran a red light, but you were traveling five miles per hour over the speed limit. Or maybe a truck driver merged into your lane, but your brake lights were malfunctioning. In many states, being even 1% at fault