Is Defendant Insured (or not)? And Can They Pay for Your Damages?
All Texas drivers must have liability auto insurance. Law enforcement officers now have several powerful technology tools and databases to know immediately if a driver has insurance. Still, 25 percent of Texas drivers drive uninsured. More on this website
Whether or not an insurance company is involved in your case makes a huge difference in the ultimate outcome of your claim and how it is handled. Certain conditions surrounding liability for the accident (and your ability to win compensation when your child is injured or killed in a vehicle wreck) can be unclear and contentious: while others can be relatively straightforward. Suppose that both drivers involved in the accident are insured. This can be a relief because, in most insured cases, there will be at least some money available to compensate your child for injuries and financial losses once your claim or civil case is successful. Yet, minimum coverage insurance policies cannot fully compensate an accident victim with $100,000 in total damages (medical bills, pain, suffering, long-term disability).
Insurance money is theoretically available to compensate you doesn’t mean that money will be easy to get your hands on. The simple fact is that some minimum coverage insurance companies pay better (and quicker) than others. With both claimants and their customer’s in-general, most aren’t very responsive to anything other than sending out those monthly premium bills and taking in the monthly premiums. Many of them drag their feet when it’s time to pay up. In just about any accident claim or civil case where an insurance company is involved, it means that you’ll be up against aggressive adjusters, accident recreation specialists, defense attorneys, and other investigative specialists who all work to make sure that you lose your case: and they keep their money. Sometimes, a driver who has caused a wreck will take desperate steps to hide his assets to appear insolvent. He or she might also try and hide this accident from their insurance company, threatening to drop coverage if this person gets in one more wreck. No matter the reasons for this defendant’s behavior, our Law Office regularly performs asset checks on any accident defendant to determine their worth. If there’s money available, we’ll find it and work to ensure your injured or disabled child gets what is rightfully theirs.
Our clients are family at our Law Office, and we empathize with the struggles your family must deal with. Contact us (toll-free) for a free consultation and find out how we can help you and your family fight for your legal rights.
