Every time you get behind the wheel, you’re placing trust in yourself and others to drive safely. But what happens when the unexpected occurs — a crash, an injury, or significant damage to a vehicle? That’s where liability auto insurance and the right legal support come in.
At Herrman and Herrman Personal Injury Lawyers, we know that insurance alone isn’t always enough. Accidents can quickly spiral into legal battles, medical bills, and financial stress. That’s why we help our clients not only understand their coverage but also fight for their rights when things go wrong.
Understanding Liability Auto Insurance
Liability auto insurance is designed to protect other people when you’re at fault in an accident. It typically covers:
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Vehicle repairs for the other party
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Medical bills for injured passengers in the other vehicle
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Legal costs and damages if you’re sued as a result of the accident
But here’s what many drivers don’t realize: if you’re not properly insured — or if the damages exceed your policy limits — you could be on the hook for thousands of dollars out of pocket.
Insurance Limits: What You Need to Know
Each state has minimum required coverage, usually broken down like this:
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$25,000 for bodily injury per person
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$50,000 for total injuries per accident
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$25,000 for property damage
This means if you rear-end someone and they rack up $10,000 in medical bills and $5,000 in car repairs, your insurance would typically cover it. But what happens if their bills exceed your coverage limit? That’s where legal expertise becomes crucial — and that’s where Herrman and Herrman can help.
What Liability Insurance Doesn’t Cover
Liability insurance won’t pay for:
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Damage to your own vehicle
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Your medical bills
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Lost wages due to injury
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Hit-and-run accidents
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Rental car coverage
To be fully protected, you may also consider adding:
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Collision Coverage
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Medical Payments (MedPay)
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Personal Injury Protection (PIP)
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Comprehensive Insurance
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Uninsured/Underinsured Motorist Coverage
Why Legal Support Matters
After a crash, the insurance company may not be eager to offer a fair settlement. You might face medical bills, missed work, or emotional trauma — and that’s assuming the other driver even has adequate coverage.
Herrman and Herrman has helped thousands of drivers in Texas and beyond get the compensation they deserve after serious car accidents. Whether you’re dealing with a complicated insurance claim, fighting for compensation after being hit, or unsure about your rights, our team is here to protect you every step of the way.
Don’t Face the Aftermath of a Crash Alone
Insurance is important. But a skilled legal team is essential.
If you’ve been involved in an accident or want expert advice on protecting yourself and your family, contact Herrman and Herrman Personal Injury Lawyers today. We’ll review your case, explain your options, and fight to make sure you’re not taken advantage of.
Because when it comes to your future, you deserve more than just coverage — you deserve justice.
CONTACT HERRMAN & HERRMAN IF YOU HAVE BEEN INJURED IN ANY OF THE FOLLOWING TYPES OF ACCIDENTS:
We can help you if you have been harmed by the following:
- Car accidents – Our lawyers have extensive experience handling car accident cases. We will work to identify the party or parties at fault for the crash and build a case to demonstrate persuasively how the parties caused the accident and your injuries. We will seek fair and full compensation through a negotiated settlement or at trial if necessary.
- Truck accidents – Thousands of large commercial trucks travel the roads of Texas every single day. Unfortunately, careless truck drivers and trucking companies disregarding safety put innocent people at risk of serious injuries. If you’ve been injured in a truck accident, let our experienced Texas personal injury lawyers stand up to the trucking companies and insurers on your behalf.
- Motorcycle accidents – Motorcycle riders often suffer grievous injuries in crashes caused by other motorists. Too many motorcycle accidents in Corpus Christi are caused by careless drivers who don’t look for motorcycle riders or violate their right of way. Our personal injury lawyers will work to cut through the bias and stigma against motorcycle riders. Our goal is to seek the financial compensation that you’ll need to recover from a serious motorcycle accident and injuries such as bone fractures, road rash, or traumatic brain injury.
- Product liability – Product manufacturers have a legal obligation to make products that are safe for their intended uses and to warn consumers of any risks that may come with the product. When products have design or manufacturing defects or undisclosed dangers, the product manufacturer may be legally responsible for injuries suffered by consumers. Our attorneys can help you evaluate whether you have a valid product liability claim.
- Brain injury – Brain injuries can leave accident victims with disabilities that leave them unable to work or perform many tasks of daily living. Seeking compensation for a brain injury in an accident often proves incredibly complex. The brain injury survivor may seek compensation for anticipated future medical care and the medical care already provided. Our personal injury lawyers can help you through the difficult recovery process following a brain injury and will fight to make sure you have the resources you need.
- Spinal injury – Spinal cord injuries could cost millions of dollars of care over the course of the victim’s lifetime, especially when those injuries result in partial or complete paralysis, such as paraplegia or quadriplegia. If you or your loved one has suffered a spinal cord injury, you deserve compassionate legal representation. Our attorney can help you determine whether you may be entitled to claim compensation for your injury and expenses related to living with the disability, such as making a home more accessible.
- Wrongful death – If you have lost a loved one due to the negligent or reckless actions of another party, your family deserves to seek accountability and compensation from those at fault for the wrongful death. Our caring and dedicated attorneys can help guide you and your family through this difficult and painful time and seek justice for your loved one.
