Auto collisions can leave you seriously injured. Injuries require specialized medical treatment by doctors that are familiar with certain types of injuries. The question then becomes who is responsible for paying your medical bills and pain and suffering after a car accident. There are several types of insurance coverage available that can be used to pay for your bodily injuries and other non-property-related losses.
Texas state law mandates that all drivers have insurance policies of at least $30,000 to cover bodily injuries caused to other parties. This is just the minimum, though. Insurance policies can run significantly higher than $30,000. Typically, commercial policies for truck accidents can be in the millions. So, if you suffered injuries because of somebody else’s negligence you can make a claim against their bodily injury coverage.
There additional policies that you may be able to recover from after injuries from a car accident. For instance, if the owner of the vehicle that caused the accident was not driving the vehicle, you can make a claim on the owner’s insurance policy as well. That means you can have a claim against the owner’s insurance and the driver’s insurance
Also, you may be able to recover under your own insurance. Personal injury protection is a no-fault coverage that you can carry that will pay medical bills, lost wages and some other limited losses. If you are a passenger in a vehicle you may be able to collect from the driver or the owner’s personal injury protection policy.
Additionally, damages are more than the insurance policy of the adverse vehicle owner and driver, you can potentially collect under your own insurance coverage. Underinsured coverage is something that you would have under your own policy. It pays for your damages that are beyond the limits of the at-fault owner and or driver’s coverage.
Uninsured coverage is coverage that you would carry on your own policy for circumstances for there is no other insurance policy available to pay on your damages.