Texas’ Financial Responsibility Law aims to require drivers in Texas to be able to pay for the automobile accidents they cause by having cash or liability insurance coverage with minimum limits adequate to pay up to $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage for each accident they cause. Liability insurance pays to repair or replace the other driver’s car if you cause an accident and pays other people’s medical expenses. It does not pay to repair or replace your own car or for your own injuries.
The problems are that: 1) despite the existence of this law, many people drive with no insurance; and 2) even if an at-fault driver does have the minimum required coverage, it may not be nearly enough to compensate you for your injuries and other damages.
The smartest thing you can do is to plan for the worst and make sure that your own automobile insurance coverage includes the highest limits you can afford of Personal Injury Protection (PIP) and Uninsured and Underinsured Motorist (UIM) coverage.
If you are injured in an accident in which the other driver was at fault and was uninsured or underinsured, it is important to consult an experienced Texas personal injury lawyer as soon as possible to protect your rights. Contact a car accident lawyer at Ross Law Group in Austin for a free consultation regarding uninsured and underinsured motorist personal injury claims and your right to seek full and fair compensation from your own insurance company.
This is even more important if the at-fault driver has the minimum insurance required by law and his or her insurance coverage is offering to pay you the full amount in settlement. It seems like a “no-brainer” to accept it, but by doing so you could inadvertently lose your right to collect benefits from your own UIM coverage. At Ross Law Group, our personal injury attorneys understand all the nuances of the law and keep abreast of all the most recent changes in order to serve our clients well.
If you follow the requirements of your insurance policy and your insurance company denies or delays payment of a valid claim, you may be able to prevail in an insurance bad faith claim. The best way to make sure you get what you are entitled to is to have an experienced car accident lawyer on the case from the beginning.
For quality legal representation, you can rely on an Austin personal injury lawyer at Ross Law Group. Contact us today to arrange a free consultation.
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DISCLAIMER: The information on this website is general in nature and does not constitute legal or medical advice. If you have a matter that has a deadline and requires an urgent response please call us immediately at 1-800-634-8042 or 512-474-7677. Please be aware that sending an instant message or e-mail and/or receipt of a response does not create an Attorney-Client relationship or constitute the formation of a contract. No obligation is created on the part of the sender or the recipient. A contract of representation can only be created by signature of an Attorney-Client Agreement.
From offices in Austin, Texas, the personal injury lawyers of Ross Law Group represent clients throughout Central Texas, including the communities of Round Rock, Pflugerville, San Marcos, Bastrop, Kyle, Georgetown, Buda, Lago Vista, Westlake, Georgetown, Dripping Springs, Wimberley, Elgin, as well as residents of Williamson County, Hays County, Bastrop County, and Travis County.
