If you have been in a car accident, you want to get your damage repaired and your medical bills covered as soon as possible. To get there, you will need to deal with insurance companies, whose goal is usually to pay out as little as possible. Coverage can get complicated, so it is no wonder that many people have misconceptions about how Texas insurance works when it comes to car accidents.
There are several types of coverage that could come into play after an auto collision. If the other driver is at fault, his or her liability coverage should cover your damages. If you were the victim of a hit-and-run or an uninsured driver, you can get coverage from your uninsured motorist policy. If you were at fault, various parts of your own auto insurance policy will become involved.
The first thing you have to know is that you have to be proactive if you want to get what you need. Some people believe that because the insurance is supposed to pay for your damages, it will do so. In most cases, it does not work out that way. Even if you have a police report stating that the other driver is at fault, there is no law that the insurance company must accept this conclusively. If the other driver tells them it happened differently, they are just as entitled to believe that version of the story.
The other mistake people make is assuming that if an insurance company does agree to pay out, it will pay everything they may be entitled to. As a result, they may accept settlements that are really not fair to them and only cover a fraction of potentially covered damages.
Lack of coverage
Finally, most people tend to assume that because the law requires auto liability insurance, your driver has proper coverage. However, the percentage of uninsured drivers is as high as 20 in Texas. Even if there initially appears to be coverage, you may end up negotiating with an insurance company only to learn that you wasted your time because the policy is expired or does not cover this vehicle.
While some insurance companies try to discourage accident victims from getting lawyers, an experienced personal injury attorney can be more effective in getting you a deal that is fair to you. If you have been in an accident, it is smart to consult a lawyer before trying to deal with insurance representatives on your own.