While Texas requires every driver to carry a minimum amount of liability insurance, not all drivers follow the rules. Even with drivers who have insurance, the losses from a crash can exceed what his policy will cover. However, it’s possible that your own policy or a combination of yours and the other driver’s may be sufficient to cover your injuries and damages. It is also possible that a lawsuit may be necessary to recover fully.
Your Insurance Policy Matters
Texas is a fault state, meaning a driver is liable for costs resulting from the accidents he causes. This is why it’s important to purchase and continually carry insurance exceeding minimum requirements—which are outlined clearly by the Texas Department of Insurance (TDI). If you are financially able, you should also design your policy to protect yourself from an underinsured driver by purchasing the following optional plans:
- Medical payments coverage. Regardless of who caused the accident, medical payments coverage can pay for necessary medical treatments after a crash—for you and others involved in the accident.
- Personal injury protection (PIP). This type of policy addition is similar to medical payments, but PIP also provides partial coverage for lost wages and costs related to hiring a caregiver.
- Uninsured/underinsured motorist (UM) coverage. It’s important to purchase both bodily injury and property damage UM coverage. In the event of a crash with an uninsured driver, this portion of your policy can provide you with much-needed funds for medical bills and car repairs.
If after you’ve exhausted the other driver’s policy and your own, you still need compensation for medical bills, lost wages, or repairs, your lawyer can tell you whether a civil lawsuit against the at-fault driver may be a good option for you. His insurance may not be sufficient to cover what the accident cost you, but he may be able to pay out of pocket or through other assets.
Consult With a Trusted Attorney Today
If you or someone you love was injured in an accident with a driver carrying no or inadequate insurance, it’s important you enlist the help of an attorney. The team at The Cain Law Firm want to hear about your case, fight for you, and help you recover what you need. Start a live online chat on our website today to begin your case.