Car crashes are very expensive, creating tens of thousands of dollars worth of damage in just a few seconds. The damage to your vehicle could cost thousands to repair or even more if your vehicle is no longer safe to drive. Any injuries that you and your passengers suffer could produce not just medical bills but lost wages as well.
Even if you do your best to be safe out on the road, you could wind up hurt in a wreck caused by someone else. You should be able to make a claim against the responsible driver’s liability insurance coverage after a crash. Will that coverage be enough to pay all of your bills?
Know what Texas requires
Every state has different rules regarding mandatory car insurance. Texas requires liability coverage on every registered vehicle. The person who causes your crash should have at least $25,000 worth of coverage to repair your vehicle after the wreck.
They should also have bodily injury liability coverage, although the amount you can claim depends on how many people get hurt. In a crash where one person suffers an injury, there will be at least $30,000 of coverage, but that amount increases to $60,000 if two or more people get hurt.
Your own policy may offer some supplemental coverage
If you have more losses than what the other driver’s policy will pay, you may be able to make a claim against your own policy. If you have comprehensive, collision or uninsured/underinsured motorist protection, your own policy may help pay for costs not covered by the other driver’s coverage.
Getting legal help to know your rights after a motor vehicle crash will be crucial to getting the maximum amount of compensation you can.