Whose Insurance Pays After a Car Accident in Texas? - Reyes Law Firm

Being in a car accident, the biggest concern many people have besides how much it is going to cost to fix their car is who is at fault and is obligated to pay for all their damages. People will often come out of car accidents anxiously awaiting a verdict as to who is at fault. The big reason everyone focuses on this is that fault determines whose insurance is going to be held liable for any property damage or injuries.

Filing a Claim After a Car Accident

Filing a claim if you are not at fault means you have the right to go ahead with the claims process on behalf of the third-party’s insurance company. In Texas, the minimum policy everyone is required to carry is $30,000/$60,000 for injury liability and $25,000 for property damage. While these minimums are set in place, a good portion of drivers on Texas roads don’t always carry the policy minimums. Dallas car accident attorneys at the Reyes law firm will be able to help you obtain as much, if not the entire maximum of the policy limits the opposing insurance carries.

Most people focus on the property damage. While most insurers can get this right and the process is fairly straight forward, the real problem if you are not at fault is getting the other party’s insurance to fully cover your injuries. The games they play make life incredibly difficult for anyone who does not pay their premiums but is making an attempt to file an injury claim on a policy. This is the best time to hire a car wreck injury lawyer in Dallas to help you proceed with the claims and negotiations. Especially if you think a lawsuit needs to be filed so you can recover a fair amount you are owed.

If you end up being at fault for the accident, you will have a little more trouble having your bills covered for your injuries. While some people have quality car insurance for themselves, some drivers have very low coverage, if none whatsoever for their medical bills. In order to use your car insurance for your injuries, you need to have either medical payments covered or personal injury protection. These policies will allow you to have your bills paid in full up to the maximum policy limits. If you do not have any of these policies, your next best bet to have your medical bills covered is your own health insurance.

Angel Reyes Makes it Simple

While all these stipulations may be difficult to figure out, if you need more guidance or have general questions about whose insurance pays for the car wreck, call us immediately for more answers and in-depth explanations at (214) 526-7900.