With the passing flash of headlights, everything can change. Many residents in the Woodlands who have witnessed or experienced a motor vehicle accident recognize how even minor crashes can leave lasting physical and emotional scars. From traumatic nightmares to lost time at work, relief may be available to those who suffered because of driver negligence.
Recovering compensation for your losses after a vehicle collision often involves filing complex car insurance claims while fighting to recover from life-changing disabilities. Therefore, if you were involved in an auto wreck in the Woodlands, speaking with a car accident lawyer may help ease the administrative and financial burden placed on you. Our dedicated personal injury attorneys could fight for all of the damages you need to recover and your best interests.
Navigating the Insurance Claims Process After a Car Wreck in the Woodlands
Accidents happen quickly, but insurance payouts may not. When two or more motor vehicles collide, liability is often disbursed between multiple insurance policies and sub-policies. Texas Transportation Code §601.072 only requires passenger vehicles to carry $30,000 in liability insurance per person ($60,000 per incident) and $25,000 to cover property and vehicle damages.
In addition to these mandatory minimums, many drivers maintain the following optional types of auto insurance:
- Personal injury protection (PIP) coverage that often pays immediate medical bills and lost wages regardless of fault
- Collision coverage that pays for the insured vehicle’s repairs or replacement
- Uninsured/Underinsured motorist coverage that may provide benefits after a hit-and-run accident or if the at-fault party does not have any insurance
- Medical payments coverage that can cover health care expenses even if the insured sustained injuries as a pedestrian or while riding in another vehicle
The facts surrounding a car accident often dictate which insurance policy is responsible for dispersing benefits and under what coverage provision. This may result in assigning multiple adjusters to a single claim who fight to shift, deny, or otherwise reduce their policy’s financial liability. Our experienced attorneys in the Woodlands could help streamline this process and get injured motorists the compensation they need following their car accident.
Potentially Liable Parties Following an Auto Accident
Motorist negligence often causes these serious car accidents. However, roadway hazards, weather conditions, and mechanical failures also may contribute to serious crashes. Determining who caused the accident and how a collision occurred often dictates a claimant’s financial recovery options. Injured drivers and passengers may sometimes recover compensation for medical expenses, lost wages, and emotional anguish from:
- One or more negligent drivers
- The vehicle owners
- Negligent drivers’ employers in work-related accidents
- Car insurance or worker’s compensation policy
- Vehicle manufacture or seller
While vehicle insurers typically pay the majority of car accident claims, securing the help of a seasoned attorney in the Woodlands may still be beneficial.
Apportioning Liability after a Motor Vehicle Collision in the Woodlands
Most insurers thoroughly investigate every car crash in the hopes of shifting liability to another party – even an injured claimant. Insurers may save thousands of dollars by placing a small percentage of blame on an injured driver under Texas Civil Practice and Remedies Code §33.001. In general, claimants cannot recover damages after a car accident if they were 51 percent or more at fault for the crash. Claimants with less than 50 percent liability may be able to recover damages in proportion to a defendant’s assigned liability. A lawyer in the Woodlands could determine whether a car accident claimant may be partially at fault and how this may impact their claim.
Contact an Experienced Car Accident Attorney in The Woodlands
Many injured claimants stop seeking deserved compensation after unreasonable demands for witness information, sworn statements, medical records, and proof of vehicle maintenance. Do not let liable auto insurers deny you the compensation you may be entitled to after a motor vehicle crash. Insurance liability determinations are not normally binding in a court of law.
A legal professional could review the facts of your case and negotiate an insurance settlement without filing costly litigation. If you or a loved one were denied essential benefits after suffering from serious injuries in an auto collision, you should consult a compassionate car accident lawyer in the Woodlands.