While reviewing the questions I’m seeing posed to other bloggers, I’m seeing fewer answers for questions about Texas car accidents and what people can do to recover physically and financially. Texas is a big state, and a lot of people may not realize they have grounds and resources in the wake of their accident.
Fortunately, I’ve done some digging around, and I’ve found a few considerations that injured Texans may need to keep in mind. While their Dallas car accident lawyer can get into the details of their claim, most drivers will need to consider these elements after an accident.
Dealing with Insurance Companies
When you’ve just suffering through a car accident, your insurance company might be one of your first concerns. Texas is a “fault” state, which means that one driver is financially responsible for the accident. Usually, their insurance company is the one to pay for the accident. Otherwise, your insurance company may cover your losses, then seek out compensation from the other party.
However, that doesn’t mean that the insurance company will be on your side. They’re a for-profit company, which means they may try to protect their profits, not your funds for recovery.
While Texas drivers need to notify their insurance companies about the accident, it may be best to question their settlement. If you know they’re not offering you the full settlement you need for your bills, it’s important to fight for your claim’s worth.
Shared Fault in Car Crashes
It’s not just the insurance company that doesn’t want to pay out for your claim, though. The responsible party may try to fight back to avoid out-of-pocket costs and insurance penalties. Unfortunately, that can lower the compensation you’ll receive.
Texas recognizes “modified comparative negligence” laws, which means that your compensation may be reduced by the amount of blame you take for the accident. For example, if you’re found thirty-five percent at fault, you may only receive sixty-five percent of the compensation you’re seeking.
Worse, you could lose your compensation completely. Texas law also follows the fifty-one percent rule. That means, if you’re fifty-one percent or more at fault for the car crash, your claim could be dismissed. Because of that, it’s important to defend yourself against any charges of fault.
Seeking Your Compensation
When you’re hit by another driver, getting the full compensation you deserve can be tough. If you’re not familiar with the laws that govern accidents in your state, you could lose your chance to recover from your accident.
That can make seeking compensation intimidating. However, with the right resources and knowledge on your side, you have a better chance of recovering the compensation you deserve. When you’re suffering in the wake of a car accident, that can make a big difference.
If you have other questions about less-commonly-known laws or details about your state laws, I’m always on the look-out for what you need to know. Knowing these laws can affect how you handle your case, so make sure you’re prepared when something goes wrong.