After most vehicle accidents, it will be necessary for a person to seek a legal settlement in order to be compensated for the financial losses they incurred. More then hundreds of thousands of injuries take place in Texas due to car accidents on a yearly basis. Serious injuries result in large medical bills and it is obviously unfair for the driver who was hit to have to pay for it themselves.
Getting in touch with an accident lawyer in McAllen Texas is the best way to ensure that a person does not lose out on the compensation they have a legal right to receive. The total amount a person gets depends on a variety of factors including:
- Who was at fault for the accident
- If a drunk driver was involved
- If any injuries or deaths took place
- The severity of the accident
- The previous driving records of both drivers involved
- How much evidence is presented
- The insurance policies of the drivers
However, on average, most settlements involving car accidents are generally around $15,000. This sum is usually more than enough to cover the losses of a smaller accident. If a person gets into a larger accident and suffers more injuries and loss, then they will obviously be entitled to receive more.
What happens if my insurance company does not respond to me?
It is generally required for one’s insurance company to respond to their claim within 15 days of making it. However, if a company fails to do so or is taking long periods of time to come to a final decision a person should get in touch with a lawyer to help encourage the company to respond. When a driver first signs up with an insurance company they agree to a set of rules and conditions. It is expected that both parties will act in good faith in case an accident occurs. This means that drivers are expected to not claim more than necessary and also that insurance companies are expected to offer a fair sum and not give a lower offer then what the driver actually deserves.
Having an attorney on board can help encourage the insurance company to respond in a timely and legally appropriate manner. If they still fail to act responsibly then a lawsuit can be filed against them. If matters do escalate to this level, the driver will most likely be able to recover more compensation from them due to all their time which was wasted.
How much car insurance am I required to have in Texas?
Drivers are required to carry the minimum of three types of insurance in Texas:
- $25,000 for property damage
- $60,000 for injuries
- $30,000 for each injured person
If a driver was operating their vehicle without insurance and they get into an accident their case will most be more complicated and their lack of insurance may cause them to face legal penalization as well as the loss of compensation.
