San Antonio Car Crash Lawyer
Car accidents can turn a person’s world upside down in a matter of seconds, leaving him or her to struggle with medical bills, repair costs, and a wide range of other bills. Fortunately, in Texas, when a negligent driver causes an accident, that person can be held financially liable for the resulting damages. Our San Antonio car crash lawyer can help you with your case.
Minimum Auto Insurance Requirements in Texas
In Texas, drivers are required to carry minimum car accident coverage of:
- $30,000 in bodily injury insurance per person;
- $60,000 per accident; and
- $25,000 for property damage repairs.
While having this coverage helps protect drivers in the event of a crash, it is also not uncommon for even minor collisions to surpass these minimum thresholds. A single night at the hospital can, for example, quickly use up a policy’s maximum coverage amount. This can leave victims in a tough spot financially and they may need to seek the remaining amount from the at-fault party directly by filing a personal injury claim in court. This is also an option for those who are injured in accidents with uninsured drivers. However, those without insurance often don’t have the resources to pay a damages award, so a claimant may be better off filing a claim under his or her own uninsured/underinsured motorist policy.
Insurance Companies Don’t Always Play Fair
Insurers are notorious for being more concerned with their bottom line than with paying out valid claims. To avoid paying out large sums, they may engage in unfair or bad faith practices, denying claims without offering a legitimate reason for denial, purposely devaluing a claim or offering an unfairly low settlement, failing to communicate with the claimant in a timely manner, or refusing to conduct a proper investigation into a claim. This type of behavior can be frustrating for claimants, many of whom are already struggling under a mountain of accident-related expenses. It is also, however, illegal, which means that insurers can be held accountable for these types of bad faith tactics.
An experienced attorney, for instance, will be well-versed in an insurer’s obligations to a claimant and can pursue the latter’s rights diligently, forcing insurers to conduct thorough investigations in a timely fashion. If negotiations fail, a claimant may need to file a lawsuit in court. Having legal representation will also be critical at this stage, when both parties will need to provide the court with convincing evidence and present compelling arguments to a judge or jury.
Reach Out to a San Antonio Car Crash Lawyer
At the Law Office of Israel Garcia, our San Antonio car crash legal team is dedicated to helping our clients obtain the compensation they deserve following serious accidents. If you were hurt in a collision and an insurer is refusing to negotiate with you, or flat-out denied your claim, we may be able to help. Call 210-529-9999 or send us an online message today to set up a free consultation. We know you lead busy lives and so make ourselves available for both evening and weekend appointments.