Getting into a car crash is expensive. You may have to miss work, could have serious injuries and the need for medical care and may need to have your vehicle repaired. As a result of the crash, you might have injuries that require you to change parts of your home, such as by adding a wheelchair ramp or adding railings to help you stay stable when you walk.
After an auto accident, it’s a good idea to talk to your attorney about the compensation that you can get. While your compensation from the other party may be limited to their insurance coverage limits, it’s possible to sue individuals directly for their actions that led to a collision. You may also have a case against other parties, such as vehicle manufacturers or mechanics, if their actions played a role in the collision.
How Much Money Can I Get with a Car Accident Claim?
The amount of money you can get with a car accident claim will depend on the factors involved in the collision. However, it’s normal for people to seek compensation for:
- Pain and suffering
- Damage to their vehicle
- Medical bills
- Lost wages
- Other economic losses
- Emotional effects and a loss of enjoyment of life
There is no exact science to determining the value of a claim, but by looking at real economic losses as well as the emotional and physical damage that a crash has caused, it’s possible to come up with a reasonable settlement request.
Do Policy Limits Play a Role in Car Accident Compensation?
Policy limits can play a role in car accident compensation. In Texas, drivers have to have minimum amounts of insurance that will cover property damage as well as bodily injury claims.
According to the Texas Department of Insurance, anyone driving in Texas must have:
- At least $25,000 in coverage for property damage in an accident
- $30,000 of coverage for each injured person as well as a maximum of $60,000 in coverage for the entire collision.
This kind of coverage is called 30/60/25 coverage and helps make sure that anyone who is injured in a collision has the ability to seek compensation for their injuries.
That being said, people do have the option of buying more than basic liability coverage. Since the limits may be too low in an auto collision, victims have the potential to take compensation from the insurance provider and to move forward with a personal injury claim against the driver for any remaining debt or economic losses.
Will Uninsured or Underinsured Motorist Coverage Help in My Case?
There’s nothing worse than finding out a reckless or dangerous driver was uninsured. Fortunately, uninsured or underinsured motorist coverage could help you collect more after being injured in an auto accident. Most of the policies being sold in Texas do have at least some level of underinsured or uninsured motorist coverage. This is important, because if you get into a crash with someone who doesn’t have insurance, this coverage will help you get the money you need to cover your economic losses.
Your auto policy’s collision coverage may also cover the damages to your vehicle, and your health insurance can cover the medical care that you need. So, if the other driver doesn’t have insurance, all is not lost. However, your attorney will work with you to make a claim against them, so that you can attempt to get them to cover the cost of the collision.
What Should You Do If You’re Involved in a Car Crash?
If you’re involved in a car crash, don’t wait to start gathering evidence and documentation. Remember not to say or do anything that may implicate that you had any part in causing the collision, either.
At the scene, your priority should be seeking medical help. When the ambulance arrives, go to the hospital and get a medical exam. This will start the paper trail to show that you were injured in the collision.
It’s Time to Reach Out for Legal Support
After you get medical help and are stable, you or someone you love can reach out to your attorney to discuss making a claim against the at-fault driver. With the help of a car accident attorney from the Hanna Law Firm, you can fight for fair compensation after you suffer a personal injury or lose a loved one in a car crash. Taking the step to talk to your attorney early in the case may help you build a stronger personal injury claim and get all the compensation that you are entitled to.