Every single day, there are many car crashes across the state of Texas. Most of them only result in minor injuries or damage to the vehicles involved. Some of the crashes will cause severe injuries or even death.
Generally, those hurt in a crash or dealing with a totaled vehicle can depend on car insurance to cover their expenses. The driver who causes the wreck will be the one whose policy pays for the damages and injuries that result. However, in scenarios involving severe injuries, fatalities or wrecked, expensive vehicles, insurance coverage alone may not be enough.
Many drivers only carry the minimum coverage required by law
Texas only requires two kinds of liability insurance. All drivers should have at least $25,000 worth of property damage liability coverage. Bodily injury liability coverage is also necessary, but the coverage amount depends on the number of people involved in the crash. In a collision where one person gets hurt, drivers must have at last $30,000 worth of coverage. That amount increases to $60,000 when a crash hurts two or more people.
While those amounts are higher than the mandatory insurance required in many other states, they can still fall far short of someone’s total losses. A crash that destroys a sports car or a brand-new truck will easily cause more than $25,000 worth of property damage, and a surgery or a few weeks in the hospital could consume all of the medical coverage on someone’s policy as well, leaving nothing for lost wage replacement. What happens then?
Your insurance policy or a civil lawsuit can help
If you are a driver who invested in extra coverage rather than the least amount you could legally have, your insurance policy could help you. Your insured and underinsured driver coverage can compensate you for losses that exceed the amount of insurance available.
If you don’t have that coverage or if you don’t want to increase your own insurance costs by making a claim against it, then a civil lawsuit could help you. A civil suit against the driver who caused the crash will allow you to request compensation for any losses you suffered not covered by insurance.
Understanding the kind of compensation and support available to you after a car crash will help you minimize the losses you personally suffer.