When you are injured in a car accident as the result of another driver, you can pursue a financial recovery claim due to the harm and losses that was the direct result of the car accident. In the state of Texas it is important to know how claims and compensation is handled. Texas is an “at-fault” state, which means you can file a claim with the at fault driver’s insurance company. However, a battle against the insurance company is not easy. Lastimado Texas would like to go into more detail about how auto insurance works in Texas and how or when to file a claim to get the help you need.
Is Texas an at Fault or No-Fault State?
Texas is an at-fault state when regarding insurance claims. There are only a few states in the U.S. that are a non-fault state. In an at-fault state such as Texas, accident victims can pursue compensation if they were injured or have other losses from the at-fault party’s insurers. In order to get compensation from the at-fault driver’s insurance company, you must prove the other driver had careless behavior which resulted in the accident. The victim must also prove that they have experienced losses and or injuries that require medical care.
What is Typically Covered By Auto Insurance?
What the insurance will cover due to accident will depend on the circumstances surrounding the collision. In some cases the coverage may not be available at all. It can become very confusing dealing with the insurance companies. Therefore, a car accident attorney can help better with the situation. A car accident attorney will first need to evaluate the type of insurance coverage and see how they can compensate you and your losses. There are four major types of auto insurance and each varies on their coverage.
Liability Coverage in Insurance – Liability coverage pays for repairs of your vehicle and any medical bills that was the result of the at-fault driver. In the state of Texas, each driver is required to maintain $30,000 for each person’s injuries and up to $60,000 per accident. Additionally, every driver needs to also maintain $25,000 for any property damages. A Liability coverage is considered to be a third party claim in which the victim makes the claim with the driver’s insurance company and not their own insurance company.
Auto Collision Coverage – Collision coverage pays to repair or replace the victim’s vehicle after an accident.
Personal Injury Protection Coverage – A personal injury protection policy pays for any medical bills, lost wages and non-medical costs regardless as to whom is at-fault.
Uninsured/Underinsured Motorist Coverage – Uninsured or underinsured motorist coverage provides payments to the at-fault driver if they did not have insurance or sufficient insurance to help cover the cost of damages.
Personal Injury Attorneys in Dallas, San Antonio & Austin, TX (Just Minutes from Carrollton, Garland, Irving, Mesquite & Grand Prairie, Texas)
In Texas, the statute of limitations for car accident claims is two years from the day of the accident. If you were a victim of a careless driver and find you need fair compensation to cover the costs of your injuries, damage of personal property, or your vehicle, you will want a car accident attorney on your side. It can be difficult fighting with the insurance companies. For quality services, contact Lastimado Texas today.
