How Does Insurance Work in Car Accident Claims?
Texas requires drivers to carry a minimum liability insurance, but these limits are often insufficient to cover serious injuries. If your medical bills, lost income, and other expenses exceed the at-fault driver’s policy, additional sources of recovery may be necessary.
We will examine all possible coverage options. This may include uninsured/underinsured motorist protection (UM/UIM), which helps if the driver responsible for the accident has little or no coverage. It can also involve first-party benefits like Personal Injury Protection (PIP) or MedPay, which can cover some medical costs and expenses regardless of fault.
In some cases, other policies may apply, such as employer coverage if the at-fault driver was working at the time, or additional policies from umbrella insurance. Our skilled Aldine car accident lawyer will leave no stone unturned to identify every possible source of compensation, ensuring your recovery is as complete as possible.