Our Houston personal injury attorneys at the Hollingsworth Law Firm know insurance plays a crucial role in our clients’ claims in Texas. After all, the liable party’s insurance company is typically pursued for our clients’ damages—not the liable party directly. This influences how claims are handled, the compensation process, and the interaction between the injured party, our law firm, and the insurance companies.
Here, we provide an overview of the role of insurance policies and companies during personal injury claims so our clients can make informed decisions about the direction of their cases.
What are the Different Types of Insurance Coverage in Personal Injury Claims?
Because our Harris County personal injury lawyers represent clients in a wide range of practice areas, we often pursue different insurance policies based on how the accident occurred and who is liable for the damages.
That may include:
- Auto Insurance Liability Coverage: Covers damages if the policyholder is at fault in an accident. It includes bodily injury liability (for injuries to others) and property damage liability (for damage to others’ property).
Texas law requires all motorists to have at least $30,000 of coverage for injuries per person, up to $60,000 per accident, and $25,000 of coverage for property damage.
Although not mandatory, vehicle insurance providers must offer Texas motorists the following coverages. If they do not want coverage, they must write to the insurer to reject it.
- Medical payment coverage pays your and your passengers’ medical bills. It also pays if you’re hurt while riding in someone else’s car, walking, or biking.
- Personal injury protection (PIP) coverage is similar to medical payment coverage. It pays your and your passenger’s medical bills, lost wages, and other nonmedical costs. All auto policies in Texas include PIP coverage.
- Uninsured/underinsured motorist coverage pays if you’re hit by someone who doesn’t have insurance or doesn’t have enough to pay your medical and car repair bills. It also pays if you’re in a hit-and-run accident. Insurance companies must offer this coverage.
Our skilled Houston car accident attorneys can pursue each of these financial compensation avenues and potentially any others attached to the liable party or our client’s insurance coverage after our clients have been hurt in a Texas crash caused by negligence. Contact us today to learn more during a free consultation.
Whose Insurance Can Be Pursued If I Was Hurt on Someone Else’s Property?
Other personal injury accidents can happen at homes, businesses, or in public places and require our premises liability attorneys to pursue claims against different types of insurance coverages, which may include:
- Homeowners’ or Renters’ Insurance Liability Coverage: Covers injuries to the insured property caused by the homeowner or renter’s negligence.
- General Liability Insurance: Covers injuries on business premises or due to business operations.
Each insurance policy has coverage limits, the maximum amounts the insurer will pay for a claim. Understanding these limits is crucial, as they can impact the compensation received.
No matter which type of accident caused your injuries, once a claim is filed, an insurance adjuster is assigned to investigate the claim. The adjuster’s role includes gathering information, reviewing police reports, interviewing witnesses, and assessing the damages and injuries.
Our skilled personal injury lawyers will provide the necessary documentation, including medical records, bills, proof of lost wages, and other evidence supporting the claim, and protect you from the insurance company representatives who may employ various tactics to minimize payouts, such as disputing the severity of injuries, questioning the necessity of medical treatments, or offering low initial settlement amounts.
We will handle communications with the insurance company and can provide valuable support, ensuring that you receive fair compensation for your injuries and losses.
Contact Our Dedicated Houston Personal Injury Attorneys
If you have been injured in a Texas accident caused by negligence, contact our dedicated Houston personal injury attorneys at the Hollingsworth Law Firm today for a free case evaluation. Call 713-637-4560 or contact us online.
Our skilled bilingual personal injury lawyers and support staff represent clients throughout Texas on a contingency basis, so you never pay any legal fees unless we win your case.
If you are ready to fight for the compensation you deserve, so are we. Let us take the lead.
