Identifying the Liable Insurance Policies After a Car Wreck
Life after a car wreck can often be a stressful time. If you have suffered serious injuries, you will usually be spending a long time either at hospital or resting at home, unable to work. This situation creates a terrible financial problem where you have an unexpected (and enormous) expense and yet less money coming in. Fortunately, Texas law does give you the right to make a claim for compensation against the insurance company. However, it is not always as simple or straightforward a process as you might expect. Hiring a board certified Arlington personal injury lawyer is often essential to help you identify all liable insurance policies and to deal with the claims process on your behalf, leaving you to concentrate on getting better.
By law, all motorists in Texas are required to carry a minimum amount of auto insurance under Texas law. Currently, this amount is $30,000. The problem is, not everyone has insurance. Rather unfairly, if a dangerous driver crashes into your car there is nothing you can do if they don’t carry insurance. It’s a case of tough luck. However, an experienced attorney will be able to help you determine whether there are any other insurance policies in existence which you are eligible to make a claim against. In a multi-vehicle collision, the police might decide that more than one driver was responsible. Even if one driver did not have any insurance, the other driver might, which means that you can still make a claim against their policy. You might even have insurance on your own policy which you can make a claim against. Uninsured motorist coverage (UIM) exists so that you are covered for bodily injuries even if the at-fault party is uninsured. Even if they do cover state minimum liability insurance, but your medical expenses are far in excess of $30,000, you can make an underinsured motorist claim against this same policy. Hopefully, you also have personal injury protection (PIP) on your insurance. Both UIM and PIP are required to be offered to people whenever they take out insurance and it is up to you to reject them in writing if you don’t want to have them. Personal injury protection insurance is incredibly valuable as making a claim against your own insurance will help you meet your various financial obligations far quicker than the negligent driver’s insurance provider will. Of course, these are just examples of the most frequently occurring situations. The truth is that every auto accident is different, so it is important that you speak to an Arlington personal injury and wrongful death attorney who can give you an honest and fair assessment of your unique situation and help you determine what insurance policies exist that you can make a claim against. Call us today and we’ll be happy to help you. Call toll free at 800-354-6275 or locally at 817-294-1900. Other Articles You Might Be Interested In: How is fault determined in Texas rear-end collisions? Determining Compensation in Personal Injury Cases How Much Does It Cost To Hire An Attorney? Why It's So Important To Document Your Claim What To Do If You’ve Received a Bill From Emergency Services Following Your Auto Accident
As a complimentary service to Tarrant County accident victims, the Anderson Law Firm will send you the police report concerning your Tarrant County wreck free of charge with absolutely no strings attached. If you have been injured in a car, motorcycle or truck accident in Tarrant County that you believe wasn’t your fault, contact us today to receive your free police report. All you need to do is call 817-294-1900, give us some basic information about your accident and we’ll take care of the rest. You won’t have to pay six dollars or go to the police station and wait in line to get your crash report – we’ll do it for you at absolutely no charge to you. If you’re interested in receiving your free police report, contact the Anderson Law Firm today.
