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Beware of Defendants Regardless of Whether They are Insured or Uninsured

Whether an insurance company is responsible for compensating you for damages from an auto wreck can significantly impact the legal process and ultimate outcome of your case.

All motorists in Texas are required to drive with proof of liability insurance coverage. Many choose to ignore the law and drive uninsured. If the other driver is found liable for your injuries, he will most likely be personally responsible for compensating you if both you and the other driver are uninsured or if the other driver is uninsured and you do not have uninsured motorist coverage. Often the other driver is insured but doesn’t have enough to cover the full value of your damage claim. If that happens, then the other driver must pay you the difference. More on this webpage
If any of these scenarios apply, you must be concerned about the defendant’s finances. If he or she is insolvent (in other words, doesn’t have the money to pay your damage award), then you will not receive fair (or any?) injury compensation. It’s sad when this happens. And many car accident injury victims don’t receive full compensation for their injuries because the other driver was either uninsured and did not have the money to pay the victim for his losses or had substandard coverage and could not make up the difference.

Sometimes, a driver who has been involved in a wreck will take steps to hide his assets and appear insolvent. He might also try and hide this accident from his insurance company which could drop his coverage if he gets in another wreck. No matter the reasons for this defendant’s behavior, if you suspect this to be the case, our car accident injury lawyers will conduct a thorough check on any accident defendant to uncover his assets. If money is available, we’ll find it and work to ensure you get your fair share. More on this webpage
Suppose you and the other driver were insured and his insurance company is responsible for compensating you for your injuries. This is generally good news because in most insured cases, at least some compensation money will come your way. If you quickly discover this will be the case, you might not need a lawyer. But proceed very cautiously, say as little as possible and keep your options open until you are ironclad certain that things will are turn out your way.

In just about any accident involving an insurance company, it means that you’ll be up against an aggressive company that is in the business to make money, not to give it up. They will try to do everything possible to pay out as little as they can or not at all. These companies employ adjusters, accident experts, investigators, and specialized insurance defense attorneys to deny your claim or pay you as little as possible.

Also, most drivers with “street legal-only” insurance carry minimum coverage on their vehicle, and the insurance policy may not fully reimburse you for your losses if your accident was serious. Just because there is money theoretically available under an insurance policy to compensate you for your losses doesn’t necessarily mean that money will be easy to get your hands on, or that it will suffice. Anyone who has carried minimum coverage for themselves or tried to deal with a minimum coverage agency when they’re in an accident understands that some companies pay better and quicker than others. In contrast, others aren’t very responsive to any process other than taking-in premiums and not paying out. With some, the only way to get their attention or that of their lawyers is to file your case in court.

The above “insurance-related” scenarios might apply to your auto accident. To be fairly compensated for your injuries, you will have an uphill battle against these professionals whose daily job is to pay out as little as possible for car accident claims. It’s one of the biggest reasons for you to hire an experienced auto accident injury attorney as quickly as possible!

The time after a car accident is often stressful and confusing to the victims. Don’t add to the stress and confusion by letting an inexperienced attorney handle your case or represent yourself when you are clearly unqualified to look out for your or your family’s best interests. We are uniquely qualified and fully prepared to get you the best results possible. If you or someone you know were injured in a car accident, contact an attorney at our Law Offices today at 1(800) 862-1260 (toll-free) for a free consultation and find out how we can help you.