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When a Texas car accident causes injuries, property damage, and lost time from work, the financial burden can quickly add up. These unexpected expenses can jeopardize your financial well-being and make it difficult to pay for other regular expenses.
Fortunately, car accident victims can usually obtain financial compensation to cover these losses and other accident-related expenses. However, understanding who pays for costs after a car accident can be confusing.
A car accident may cause personal injuries that result in medical and hospital bills, lost time from work, property damage, and other expenses. These expenses are typically paid by the at-fault driver’s insurance company up to the limits of the driver’s insurance policy.
When a car accident causes injuries, you may incur significant medical and hospital bills for care and treatment required to treat your injuries. The at-fault driver’s insurance company will typically pay these bills.
If you have private health insurance, your health insurance may cover your hospital and medical bills. Once you establish that the other driver was at fault for causing the accident, your health insurance provider can seek reimbursement from the at-fault driver’s automobile insurance carrier.
A car accident may result in other damages, such as:
These are some examples of damages you may be able to recover from the at-fault driver’s insurance company. Our lawyers can review your claim to identify and help you receive the full range of damages you may be entitled to recover.
Texas is an “at-fault” insurance state, also known as a “tort” state. In an at-fault system, the driver responsible for causing the accident is typically liable for the resulting damages, including medical and hospital expenses, vehicle repairs and property damage, and other losses caused by the crash. Compensation typically comes from the at-fault driver’s insurance company. However, securing the compensation you deserve is not always straightforward, and our experienced lawyers can help.
Texas requires that all drivers carry liability insurance with minimum limits of $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident. Policyholders can purchase insurance policies with higher policy limits.
The insurance policy limit is the maximum amount the insurance company will pay for a covered claim under the at-fault driver’s insurance policy. Once a claim reaches this threshold, the policyholder is typically responsible for any additional costs.
Texas applies a modified comparative fault law. You can recover damages from the at-fault driver as long as your percentage of fault was less than the other party. If you were partially responsible for causing the crash, your damages will be reduced by the percentage of fault attributed to you.
For example, suppose your total damages amounted to $100,000, but you were found to be 20% liable for causing the accident. In this situation, your total recovery would be $80,000.
Even though the law requires that Texas drivers carry state minimum liability insurance, almost 20% of Texas drivers drive without insurance. If you were involved in an accident with an uninsured driver, you may be able to seek compensation through your insurance carrier if you purchased Uninsured / Underinsured Motorist Coverage.
When a car accident causes injuries, our personal injury lawyers can analyze your claim, explain and help you evaluate your options, and fight for the compensation you deserve. We can help you navigate the tactics insurance companies use to try to avoid paying your claim, and we will fight to maximize your financial compensation.
The Texas personal injury lawyers at McKinney Vos can help you understand and successfully navigate the challenge of obtaining the compensation you deserve after a car accident. Our attorneys can analyze your situation, explain and help you evaluate your options, and negotiate with the insurance companies to achieve a fair resolution.
If a fair settlement is not forthcoming, we have the skills, experiences, and resources to take your case to court, where we will seek justice on your behalf. Contact us today to schedule a free and confidential appointment to discuss your situation and how we can help.
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