Under Texas law, drivers are required to either have liability coverage or show that they can pay for damage caused by an accident. Texas law requires all drivers to have at least $30,000 in liability coverage per person injured in a car accident, with a minimum of $60,000 covered for all passengers in the vehicle. Texas law also requires that drivers have at least $25,000 in coverage for property damage. If you owe money to the bank for your vehicle, you may additionally be required to buy collision or comprehensive coverage, which will give you the money needed to repair or replace your vehicle if it is damaged in an accident. While these are the minimum requirements for drivers in Texas under the law and requirements if a driver has an auto loan, sometimes individuals find themselves involved in accidents where the personal injury damages are higher than $30,000 for a single person’s bodily injury or $60,000 for the whole accident. If this is the case, passengers or drivers injured can sue the negligent driver for the difference. All insurance policies in Texas also include coverage to pay for another driver’s lost wages and non-medical costs. Many people often understand that Texas minimum coverage may not be enough to protect them in an accident, and so they purchase additional auto insurance coverage.
So, how does insurance work in car accident? If you’ve been hurt in a car accident, or if your vehicle was damaged in an accident, you’ll let your car insurance company know you’ve been in a crash. If the other driver was at fault for your accident, your car insurance company might negotiate with the other driver’s insurance to ensure that the negligent party’s insurance covers the damages. Ideally, the negligent party’s insurance covers losses and both drivers are able to move forward with their lives with their bills paid by insurance. Unfortunately, this doesn’t always happen. Sometimes, insurance companies might try to pass the buck back and forth and cannot agree about which driver is at fault. Other times, insurance companies might try to offer victims and their families a settlement amount that is lower than what their medical costs and other expenses entail. And sometimes drivers might find themselves facing injuries far higher than those that would be covered by insurance. If a car insurance claim gets complicated, the car accident lawyers at the Cooper Law Firm in Texas may be able to help you. Our Texas car accident law firm can review your insurance policy, review the details of your accident, negotiate with insurance companies, and help you get the settlement you may deserve under the law.
What If I’m In an Accident with an Uninsured Motorist or Underinsured Motorist?
Your own car insurance policy may cover you for uninsured motorist coverage or underinsured motorist coverage. Texas car insurance companies are required to provide this coverage to you and you can only opt out of this coverage if you do so in writing. Uninsured or underinsured motorist coverage can kick in if the other driver left the scene of the accident (a hit and run) or if the other driver doesn’t have sufficient insurance to cover all losses involved in the accident. If you were in a hit and run crash, you might be angry, frustrated, and unsure about how to pay your medical bills. The Cooper Law Firm is a car accident law firm in Texas that may be able to help you work out a settlement with your insurance company that can cover your expenses. Our firm may also be able to help you if your losses after an accident were significant and your medical bills were high. We may be able to work with your car insurance company to cover you for underinsured motorist coverage.
What Else is Covered by Insurance in Texas?
Your car insurance company can potentially reimburse you for more than just damage to your car and your medical bills. If you hit a fence, building, or other structure, your car insurance coverage may be able to cover the costs of these damages. Your car insurance company may also be able to cover your attorney’s fees if you need to pursue a lawsuit or if you are sued in a car accident. In some cases, if you have comprehensive coverage, your car insurance company may be able to reimburse you if your car was damaged in an act of nature or due to vandalism or theft.
If you have been involved in an accident and have questions about your rights, you are not alone. The Cooper Law Firm is a car accident law firm in Texas that may be able to help you. Reach out to our car accident lawyers today or connect with us through USAttorneys.com.