When you are involved in an auto accident that is not your fault, the natural reaction is to blame the other driver and want to have his or her insurance company reimburse you for your property damage and medical expenses. However, there may be more efficient methods of handling your claim.
This blog examines the different insurance options available after a motor vehicle accident. Our Terry Bryant Accident & Injury Law team can help you seek compensation after a car accident and guide you on maximizing your compensation. Call us at (713) 973-8888 to schedule a free case review.
Why hire the Terry Bryant Accident & Injury Law team?
Accident cases are not always easy; they require the skills and experience of a reputable legal team like the one at Terry Bryant Accident & Injury Law. Our car accident lawyers have represented many victims in Houston and other parts of Texas and have a winning track record. We have collectively recovered over a billion dollars in settlements and verdicts and dedicate time and resources to getting our clients the best outcome. We work on a contingency fee basis, so do not hesitate to contact us.
We have a 98% online positive rating and an excellent relationship with our past clients.
Exploring different insurance coverage in Texas
After a car accident, if you have the other driver’s insurance information and there is no conceivable way you could be at fault, their insurance adjuster will need to get a copy of the crash report before accepting liability. Getting a copy of the crash report generally takes seven to ten business days. Without accepting liability, the adjuster cannot approve a rental car for you or start the process of repairing your vehicle, and you do not want to be out of a car for this long.
Other options are available. If you have auto insurance coverage, regardless of which party is at fault, your auto insurance company may be able to provide coverage for a rental car and repair damage to your vehicle more quickly. Once a liability determination has been made, your insurance company can settle the property damage claim with the at-fault driver’s insurance carrier.
You may also carry one or more of the following insurance policies:
Personal injury protection (PIP) or medical payment coverage
Under Texas car insurance law, drivers must have personal injury protection benefits to cover out-of-pocket medical expenses and lost wages resulting from an accident, although you can opt out by signing a written waiver.
Insurance companies do not always play fair, but with our attorneys representing you, they are less likely to bully you and infringe on your rights.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage is not compulsory. It is for when the other driver does not have insurance or does not have enough coverage for all of your damage. Your uninsured or underinsured coverage will cover medical bills resulting from the accident, like hospital stays, surgeries, medication, and rehabilitation. It will also pay for lost wages, pain and suffering, and property damage, especially to your car.
What about comprehensive coverage?
Comprehensive coverage is not compulsory in Texas, but you might want to consider it. While it does not apply to collisions, it protects you and your vehicle against other damage, like fire.
You can explore these options when buying auto insurance in Texas. However, remember that insurance companies will always do their due diligence before paying benefits or compensation. Therefore, always seek legal counsel to ensure your rights are protected.
Get the help you need from Terry Bryant Accident & Injury Law
If you or someone you know has been involved in an auto accident, contact our board-certified personal injury attorney about your potential claim. We will carefully examine the facts, guide you on your legal rights and insurance options, and create the best plan to help you get compensation. Contact Terry Bryant Accident & Injury Law today to get started on your case. Call us at (713) 973-8888.
Attorney Terry Bryant
Terry Bryant is Board Certified in personal injury trial law, which means his extensive knowledge of the law has been recognized by the Texas Board of Legal Specialization, setting him apart from many other injury attorneys. The 22 years he spent as a Municipal Judge, Spring Valley Village, TX also provides him keen insight into the Texas court system. That experience also helps shape his perspective on personal injury cases and how they might resolve. This unique insight benefits his clients. [ Attorney Bio ]
