If you're a registered driver in the state of Texas, you already know that the law requires you to carry auto liability insurance. This means that, in the event that you accidentally hurt someone on the road, your coverage will help cover damages to the victims. With such a law in place—and presumably every driver covered—legal action shouldn't be needed after a dangerous car accident, right?
Not always. While liability insurance does help many car accident victims, it doesn't help everyone. This is mostly due to the prevalence of minimum liability coverage, which is the cheapest option for most Texas drivers.
Minimum auto liability coverage in Texas includes:
- Up to $30,000 for each person injured
- Up to $60,000 for each accident
- Up to $25,000 for any related property damage
Certainly, in minor accidents, these minimums are sufficient. If a car accident victim suffers a simple broken arm in an accident, $30K would be more than enough to cover medical bills and other burdens. However, for serious, life-altering accidents, or instances where there are multiple victims, you can see where these ceilings can leave deserving victims with remaining costs.
Negotiating with Insurance Providers
Another pitfall to consider: these liability minimums are not guaranteed at their maximum amount. In fact, insurance providers are likely to try to pay far less than what is rightfully owed to victims. So even if you have an injury that $30K could more than cover, the insurance provider may fight to provide far less money.
In these cases—and when minimum coverage is not enough—it is time to seek legal counsel. A dedicated Dallas car accident attorney can not only negotiate with insurance companies to recover more money but, in the event that minimum coverage is not enough, take direct action against the driver at fault in order to recover relief.
If you have been hurt by a negligent driver and have not received sufficient relief from an insurance provider, our team at Jackson Allen & Williams, LLP is ready to hear from you. Our award-winning lawyers have more than 50 years of combined experience and know what it takes to secure results for clients who have been wrongfully harmed by others.
Ready to start exploring your options? Contact us today to request a case evaluation.