Is the Defendant Insured or Uninsured? It Has a Big Influence on Your Compensation Rights
In Texas, all drivers must have auto insurance. It’s a law that is aggressively enforced. Technology makes it much easier for law enforcement officers to know this fact instantly, and immediately tow non-insured vehicles and give their owners costly tickets. But still, one-in-four drivers remain uninsured. If an insurance company is involved in your case (and if it’s a minimum coverage policy) or not makes a huge difference in the legal process and the outcome of your claim and make it quite contentious.
Suppose that both drivers involved in your accident were insured and an insurance company is responsible for compensating you for your injuries. But if the negligent driver’s policy is one of those minimum coverage “street legal-only” policies, the insurance policy may not fully reimburse you for your losses if the accident you were a passenger in produced especially severe injuries to you. Anyone who has carried minimum coverage understands that some companies pay better (meaning quicker) than others. And some, with claimants as well as customers in-general, aren’t generally very responsive to any process other than taking in premiums. And in just about any accident where an insurance company is involved, it means that you’ll be up against aggressive adjusters, accident recreation specialists, defense attorneys, and investigators who all work to see that you lose.
Then there’s the 25 percent chance (at least!) that the other driver involved in your wreck was uninsured. Hopefully, the driver of the vehicle in which you were a passenger has uninsured/underinsured (UI/UnI) motorist coverage. Since the negligent driver who caused the wreck is responsible for paying you for your injuries, you will have primary interests. If he is uninsured or underinsured, will your PIP insurer step up to the plate and cover you (or pay the difference) when the negligent driver (or your driver) comes up-short at compensating you. You also must know how solvent this negligent driver is, as well as yours. If a defendant is insolvent, it means that the defendant does not have the money to compensate you for your injuries completely or even compensate you all. There’s little value in pursuing litigation against him, no matter how strong your case is in proving he should otherwise be held liable for your losses. It is a sad reality that some accident victims are unable to recover compensation from insolvent defendants.
Sometimes, both drivers will take steps to hide their assets to appear insolvent. They might also try and hide this wreck from their insurers that threaten to drop them if they get in one more accident. As part of any investigation into their client auto accidents, the car accident attorneys at our Law Firm traditionally perform an asset check on any defendant to find out how much he’s worth. We also get a clear picture of his actual insurance coverage. If there’s money available, we’ll find it and work to make sure you get what is owed to you.
The auto accident lawyers at our Texas Law Firm have effectively handled car accident litigation for over 30 years. We’ve won favorable verdicts and settlements against nearly every major auto insurer in the state. Insurance companies recognize our name. And the reputation that precedes us is beneficial in securing special attention to our clients’ claims from these insurers. Our goal is to make sure that you recover as much as possible for your injuries and make this sometimes complicated legal process as easy as possible for you. 
Put our years of experience to work for you. Know your rights, how to proceed with your claim, and how much compensation you can secure from your auto injury case. Call our Law Firm now at 1(800) 862-1260 (toll-free) for a free consultation and find out how we can help you recover the full fair value of the damages you have suffered through the negligence of another driver.
This Blog was posted By The Carabin & Shaw Law Firm. principle Office in San Antonio, Texas
