Usually, if you are in a car accident that is the other driver’s fault, you rely on the at-fault driver’s liability insurance for compensation to assist you with injuries and damage to your vehicle. Unfortunately, many Texas drivers either don’t have liability insurance coverage or have just the minimum required to register their car. You may have insurance of your own to fill the gap or there may be other means
The current minimum auto liability limits in Texas are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage.
Because even a minor car accident can result in expensive medical treatment and costly car repairs, it is likely that a car accident will end up exceeding those minimum limits.
You may have uninsured / underinsured motorist (UM / UIM) coverage. It is intended to pay your expenses from an accident caused by an uninsured motorist, a motorist who did not have enough insurance, or a hit-and-run driver who is not caught. It also pays for personal property that was damaged in your car.
You might also have personal injury protection (PIP) coverage or medical payments coverage, which each pay medical expenses, but are both optional.
Insurance companies must offer UM/UIM and PIP coverage in Texas, and if they are rejected the car owner must decline the coverage in writing.
In some cases, an investigation will show that a third party may be held liable in a car accident, such as a local government or contractor responsible for poor road conditions, or a manufacturer responsible for an automotive defect.
Insurance companies are for-profit businesses. The more claims they pay out, the more it hurts their bottom line. So, even if you have been paying UM / UIM or PIP premiums for years, your insurance company may try to deny your claim or pay only a partial amount.
As car accident attorneys, we pursue auto insurance claims in Texas on behalf of our clients. In most cases, by thoroughly documenting our client’s losses, we can obtain a settlement through negotiations, but we are always ready to go to court if necessary.