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Who Pays For Car Accident Compensation In Texas?

Aggressive Houston attorneys who fight for your rights

A car accident can change your life in a single moment. You can be left with serious injuries, requiring extensive medical treatment. This means costly medical bills, and lost wages if you can't return to your job right away. It can be a confusing and frightening time, and many people aren't sure what to do next.

You should not have to pay for the damages caused by another's negligence. The experienced car accident attorneys at Smith & Hassler fight to get victims the compensation they deserve. We know the laws in Texas and can go over your options with you.

Texas is a "fault" auto insurance state. In short, this means the driver responsible for causing the accident is generally considered responsible for paying the damages. Every driver in the state is required to carry auto insurance, with minimum amounts of liability coverage. (You can also choose to add additional insurance, such as personal injury protection (PIP) or collision coverage.) If you've been injured in an accident, you have different options for seeking compensation.

File a claim against the at-fault driver's insurance company

If another driver caused your accident, you can file a "third-party" claim with their insurance company. But keep in mind that the insurance company is not interested in paying what your claim is worth. Their priority is to protect their client and their bottom line, which means their interest is in paying you as little as possible. Their first settlement offer is likely to come far short of the true cost of your claim. Our attorneys know how to negotiate a favorable settlement.

File a claim with your own insurance company

No matter who caused the accident, you can still file a "first-party" claim with your own insurance company (provided your policy has first-party coverage). This can help pay for damages not covered by the other driver's insurance company. Or it can pay your costs if you were responsible for causing the accident. As with third-party claims, one of our experienced attorneys can negotiate a settlement.

File a lawsuit against the at-fault driver

Sometimes, the other driver's insurance company may refuse to make a fair settlement offer. Or, they could blame you for the accident. In either case, our attorneys are very experienced in handling lawsuits and taking cases to a jury at trial, and are always prepared to bring the insurance company to court to fight  for your compensation. We know how to build a strong case that can't be ignored.

What if you are hit by a driver who is uninsured or underinsured? If you chose to add uninsured or underinsured motorist (UIM) coverage to your policy, your insurance company will help pay the damages in your accident. If you don't have this coverage, you can choose to file a lawsuit against the other driver. But insurance won't cover any damages you are awarded, and the driver may not have enough assets to pay them.

If you've been injured in an accident, call our firm at (713) 739-1250 for a free case evaluation. We'll review your options to help you decide the best course of action. We stand by you every step of the way, and we work on a contingency fee basis. That means you don't pay us unless we win.