Who is at fault and how insurance claims work

At fault car accident insurance claims

At fault accident insurance claims

Texas is an at fault state when it comes accident insurance claims. This means the person at fault pays for damages to the other drivers. According to the National Safety Council, car accidents with disabling injuries cost over $98,000 on average. The current minimum liability insurance requires 30/60/25. That means people need to carry:

  • $30,000 in bodily injury coverage per person
  • $60,000 per accident
  • $25,000 in property damage

As you can see, the coverage can easily be not enough. If you have under-insured coverage on your insurance, you may be able to claim compensation on your insurance. You can also sue the at fault driver to make up the difference.

The other driver does not have insurance

Texas requires drivers to maintain liability insurance. This does not mean everyone follows the law. If you have uninsured motorist on your insurance policy, then you can make a claim on your own insurance. A personal injury attorney can help. He can also determine if suing the at fault driver is a viable option.

Proving who is at fault in car accident claims

When the police is called to a car accident, they will try and determine fault. The police crash report is a very important part of proving fault. An experienced personal injury attorney can help. Paul Moody will investigate the case and build evidence on your behalf. Even if the police report initially claims you were at fault, this can be challenged. Additionally, Texas is a comparative fault state. This means that the person that is 51% at fault for the accident bears the responsibility for the accident. There are many issues with these types of accident claims.

Talk to a personal injury lawyer

If you have been injured in a car accident, talking to a personal injury lawyer is your best option. Paul Moody is experienced in car accident claims. He will be able to tell you how the Texas at fault laws work. After assessing your accident claim, he can give you an idea what to expect in a lawsuit. Even if you may have contributed to the accident, Paul can help. He can determine if the other driver mostly contributed to his/her injuries.

Car accidents that cause significant injuries cost a lot of money. Medical bills, repair bills and loss of time from work can pile up. Minimum liability insurance many times cannot cover the cost. Paul Moody can look for options. An experienced personal injury lawyer will help you best navigate at fault accident claims.

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