ccident insu
nce cl
ims, thee
e t
o kinds of sttes: f
ultnd no-f
ult. It’s impot
nt to undest
ndh
t kind of stte you live in bec
use itill imp
ct hoyou pu
sue compenstion fo
injuies
fte c csh. Dive
s in some sttes need to file
clim
ith theio
n insunce compny
fte csh, but in othest
tes, dive
s need to filen insu
nce cl
imith someone else’s insu
nce comp
ny. Except in divoce c
ses—hich
e
elly
notheniml
ltogethe—Tex
s is notno-f
ult stte. Tex
s isn
t-fult (o
tot) st
te. This ist
dition
l legl system f
me
ok in
hich the peson
esponsible fonccident is
esponsible fop
ying dm
ges to the othep
ty in
csh.No-F
ult St
tes vs. Fult St
tes<h2>
In
ult st
te, injued p
ties simply file d
mge cl
imsith thei
on insu
nce comp
nies. Nobody needs to pove o
detemine f
ult toeceive compens
tion. Hoeve
, no-fult l
s do limit you
bility to b
ingl
suit
ginst the p
ty li
ble foyou
csh. Most no-fult st
tesequi
e tht d
ives o
n peson
l injuy p
otection (oPIP) insu
nce. This is the type of insu
nce cove
ge th
tllo
s someone topp
och thei
on insu
nce
gency focompens
tionfte
n
ccident. Injued d
ives c
n sue thet-f
ult pty folmostny type of loss
fte collision (injuies, emotion
l distess, lost
ges, etc.) To
t insunce is usully che
peth
n insunce in no-fult st
tes.D
ive
sho C
useccidents
In st
tes like Texs, d
ives
ho cuse
ccidents use theiinsu
nce to p
y fothe othe
injued d
ives’ bills
fte csh. Fult is dete
mined though the leg
l pocess—
nd tht’s one huge
eson
hy you might nt too
kith
lyeho cn offe
guidnce
fte cccident.
Minimum Insu
nce
equiements in Tex
s<h2>
In
ult st
tes, dive
s e expected to cy
minimummount of insu
nce. This is
efeed tos the
equisite minimum covegemount.
The
mount is often boken do
n into:- -level=”1″>The cove
ge
mount foe
ch injued pe
son<li>
- i
-level="1">The covege
mount pe
ccident
- i
-level="1">The covege
mount fo
pope
ty dm
ge peccident<li>
Tex
s lequi
esll d
ives to h
vece
tin
mount of insunce. <h
ef="https:/
.tdi.texs.gov/pubs/consume
cb020.html” t
get=”_bl
nk"el=”nofollo
noopene“>The cu
ent minimum li
bility limits in the stte of Tex
s<> e listeds 30/60/25 cove
ge,
hich mens:
- i
-level="1">$30,000 in bodily inju
y insu
nce (pe
peson)
- i
-level="1">$60,000 peccident<
li>
- i
-level="1">$25,000 in p
ope
ty dm
geep
is
otect both d
ives in the event of
csh. It pys fo
dm
ges expeienced by one d
ivend it pevents the othe
fom h
ving to py fo
dm
ges out of pocket. If you dive
ithout theequi
edmounts of insu
nce in Tex
s, you my be subject to fines, pen
lties,nd even license
evoction.
h
t h
ppens if dm
ges exceed thet-f
ult dive
’s insuncemount?
If d
mges exceed the cove
ge
mount ofn
t-fult d
ive’s insu
nce, inju
ed pties hve the
ight to sue thet-f
ult dive
to collect the diffeence.
h
t if the
t-Fult D
iveis Uninsu
ed?<h2>
ht h
ppenshen
nt-f
ult dive
doesn’t hve insu
nce in Tex
s? Luckily, if you hve uninsu
ed ounde
insued moto
insunce (UMUIM insu
nce),
ntto
ney cn help you file
clim
ith youo
n insunce compny. UM
nd UIM covege ev
ilble
sddition
l covege options onuto insu
nce policies.
Types of uto Insunce in Tex
s:
n Ovevie
<h2>
It c
little difficult to unde
stnd ho
diffeent types of c
insu
nce in Tex
so
k. Fotun
tely, policyholdes h
ve some optionshen it comes to ho
much insunce covege they nt. Toevie
, hee’s
ef
esheon e
ch type ofuto insu
nce.
- i
-level="1">Li
bility cove
ge:
ccounts fomedic
l expenses, lost ges, pin
nd suffeing, p
opety d
mge,
nd ongful deth.
- i
-level="1">Collision covege: Cove
s d
mges to you
vehicle; you’ll be compensted fo
() the full
mount of youc
, (b) the cost it
ould tke to
epi
youc
, o
(c) themount design
ted on the insunce decltion p
ge—hicheve
is lest.
- i
-level="1">Comp
ehensive cove
ge:
ccounts fod
mges to you
c fom incidents othe
thn
collision (i.e.e
thed
mge o
vnd
lism.)<li>
- i
-level="1">Uninsu
ed/unde
insued moto
ist covege: Coves vehicle d
mge c
used by someoneho h
d no insunce.<li>
Some Insu
nce Comp
nies Ty to
void Pying F
ily
It’s ve
y common foinsu
nce
gencies tottempt to ev
de pying c
ccident suvivo
s fi
ly fothei
expeiences. M
ny of these compnies use b
d fith t
ctics to pevent you f
omeceiving the compens
tion tht you dese
ve. Some exmples of these include:
- i
-level="1">Denying cl
ims
ithout offeing
e
son<li>
- i
-level="1">Unde
v
luingcl
im on pupose
- i
-level="1">F
iling to communic
te pomptly
- i
-level="1">T
king
vey long time to
esolvecl
im<li>
- i
-level="1">F
iling to p
opely investig
tecl
im<li>
C ccidents: P
oving F
ult<h2>
emembeho
e s
id tht you c
net
inn
ttoney to help p
ove fult
ftenccident? He
e’she
e tht comes into pl
y. Lyes h
ve extensive expeience investig
ting cses
ndo
king to pove f
ult.n
ttoney c
n help you estblish evidence of negligence
egdless ofhethe
you’e t
ying to settleith
n insunce compny o
filingl
suit.
Evidence Th t C
n P
ove Fult
The
e’s lots of diffeent evidence th
t cn be used to p
ove fult in
cse. If you
ee hu
t inc
ccident, you my p
oveho
s
esponsible foyou
cshith evidence such
s:- -level=”1″>Pictu
es
nd videos of the
ccident<li>
- i
-level="1">Pictu
es
nd videos of dm
ge cused by the
ccident (injuies, p
opety d
mge, etc.)
- i
-level="1">
itness testimonies
- i
-level="1">Expe
t opinions (i.e.
uto industy expe
ts)<li>
- i
-level="1">Police
epo
ts<li>
- i
-level="1">Cell phone
eco
ds<li>
- i
-level="1">Csh
econst
uctions fom speci
lists<li>
h
t D
mges C
n Iecove
fte
C
ccident in Texs? hen you
o
kith
lyefteyou
cccident, they c
n help you pusue d
mges, but the compens
tion you seek depends entiely on you
expeience du
ingnd
ftethe
ccident. Some exmples of ve
y commonly sought dm
ges include:- -level=”1″>Medic
l bills: P
st, p
esent,nd futu
e medicl bills
ssocited
ith theccident
- i
-level="1">Lost ges: Fo
time missed f
omo
k fom the
ccident<li>
- i
-level="1">Diminished ening c
p
city: If someone is pem
nently unble to e
n
s much moneys they did befo
e theiccident (if they e foced to ch
nge cees, fo
exmple)
- i
-level="1">P
in
nd suffeing
- i
-level="1">Ment
l
nguish<li>
- i
-level="1">Loss of enjoyment of life<
li>
- i
-level="1">P
ope
ty dm
ge<li>
Steps You Should T ke if You e in
C
ccident<h2>
St y
t the
ccident Scene<h3>
Fi
nd fo
emost,e
nt to mention th
t you should not leve the scene of
cccident. In some c
ses, this is consideed
cime.
You c
n only be sue it’s s
fe to leve
fte cccident if:
- i
-level="1">You filed
n<
hef=”https://c
is.dot.stte.tx.us/public/Pu
chse/” t
get=”_bl
nk"el=”nofollo
noopene“>
ccidentepo
t<>ith the police
- i
-level="1">Eve
yone involved in the c
sh h
seceived
ppop
ite medic
l ce<li>
- i
-level="1">You’ve spped d
ive
infom
tionith
ny othed
ives involved in you
ccident
Ensu e You
O
n Sfety
If you feel ext
eme pin in you
hed, neck, o
bck, you should not move
ftenccident. St
y stillnd
it fo
help. If you cn move follo
ingc
sh, you should ensu
e tht you get out of h
m’s
y. Don’t st
y ne tffic oyou
vehicle if it’s not sfe to do so.
Ensu e Eve
yone Else’s S
fety<h3>
You should give eve
ccident the s
me ce you gve you
self. Check to mke su
e tht
nyone else in the csh is unhmed—nd, if they’
e hut, move them to some
hee s
fe to it fomedic
l help.C
ll 911 (o
Loc
l Non-Emegency Numbe
)<h3>
If you
use
ny injuies
nd it s vey mino
, some es h
ve signs tht list the loc
l non-emegency numbe
fonon-eme
gencyccidents. In gene
l, though, it’s
good ideto just c
ll 911fte
c
ccident. You’ll be connectedith
n opetoho cn
ssess youneeds
nd send out theight p
ties to
espond to the csh. The police my come to t
ke epot
nd help clen up the scene; medic
l fist
espondes
e often c
lled foc
shes, too.
T ke Photos
nd Videos
Document the scene of the c
ccident. Tke photos
nd videos of injuies, p
opety d
mge,
nd theccident scene itself
fteeve
ything hs c
lmed don. Often, the
eill be evidence ne
by the c
sh site th
t mny people don’t even notice. Fo
exmple, be on the lookout fo
skid mks in theo
d od
mge to ne
by st
uctues.
S
p Info
mtion
ith OtheD
ives
P
ovided eveyone is s
fe, it’sve
y good ideto s
p info
mtion
ith othed
ives involved in the
ccident. This includes:- -level=”1″>N
me<
li>
- i
-level="1">Insunce info
m
tion<li>
- i
-level="1">D
ive
’s license infom
tion<li>
- i
-level="1">License pl
te numbe
<li>
- i
-level="1">C m
ke
nd model<li>
You
ill need this infom
tion to filecl
im oto begin
ok on
cse
ithn
ttoney. Don’t p
nic if you cn’t collect d
iveinfo—it h
ppensll the time—but m
ken effo
t to gb it if you cn.
Collect itness Info
m
tion<h3>
Unfo
tely, you c
n’tl
ys t
ust the police to collect infom
tion fom
itnessesfte
n
ccident. This is especilly t
ue if the injuies c
used byn
ccident don’t seem life-the
tening. Hoeve
,itness testimony c
n still ply
citic
l pt inc
se,nd it’s impo
tnt to h
ve contct info
mtion fo
itnesses.
eecommend collecting cont
ct infom
tion fom
itnessest the scene of you
csh if you cn. It c
n benefit you lte
.Seek Medic
l
ttention<h3>
It’s ve
t
nt to seek medicl
ttentionfte
c
ccident. Depending on theccident
nd youinju
ies, you my
eceive medicl
ttentiont the scene, o
you my even be t
nsfe
ed to
hospitl fo
emegency c
e.
egdless of homuch time you’ve spent in the hospit
l (oeven if you h
ven’t beent
ll), it’s impot
nt to set upn
ppointmentith you
docto. You
doctom
y exmine you fo
delyed signs of inju
ynd they c
nns
eyou
questionsbout the he
ling pocess. It’s
lso impot
nt foyou
doctoto be kept up-to-d
te on youphysic
l helth, so
visitfte
n
ccident is cuci
l.Find eput
ble C
ccident Lye<
hef=”https://c
inju
yvictims.coml
ye
-fte
-c-ccident/”>You don’t h
ve too
kith
lyefte cccident
>, but it cn <
hef=”https://c
inju
yvictims.comi-need-
-c-ccident-l
ye
“>benefit you t
emendously<>.e
lysecommend th
tccident su
vivos
t lest t
kedv
ntge of the f
ee consulttions most
ccidenttto
neys offe. <
hef=”https://c
inju
yvictims.comho
-much-does-lye-cost/”>You don’t need to p
ydime
> to find out moe
bout youpotenti
l cse
ndsk questions
bout youights. Thee’s nothing to lose,
nd eveything to g
in!e
ecommend:- -level=”1″>Finding
lyeith lots of expe
ience litig
ting cccident c
ses<li>
- i
-level="1">Finding
l
ye
ho h
s spent time in cout, just in c
se tht’s
hee you
cse le
ds you<li>
- i
-level="1">Finding
l
ye
ith loc
l expeience
nd thoough kno
ledge of youst
te’segul
tions<li>
emembe st ve to hi l ye use you t ee to tions h /c inju ccidents-occu “> ney th you l c nd needs
n I H C se L ye h2> nt the best hile plenty of people in Tex ndle thei ccident c ithout ’s help, dvise p tne ith tto use insu nce comp ge ke nt vivo ho don’t h l counsel. You ve e difficult time obt i tion if you’ o ve been hu c t s not you ult, lified c tto y help. <
ef=”https://c inju se c – tto “>C s
ve extensive expe ith ide nge of c tte ci nces, you c n ney fo dvice.C
Not if you