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A car accident can upend your life in a moment, leaving you with physical injuries, emotional distress, and financial burdens. Understanding who is responsible for paying for your injuries and damages after an accident is critical to securing the compensation you need to recover. While every case is unique, determining liability often comes down to identifying negligence and utilizing insurance coverage.
Here’s a closer look at how this process works.
Determining Liability
In Texas, the party responsible for the car accident—referred to as the at-fault party—is generally liable for the injuries and damages caused. Negligence plays a key role in establishing fault. For example, if the other driver was speeding, texting, or driving under the influence, they may be deemed negligent and, therefore, responsible for covering your losses.
However, in some cases, multiple parties could share responsibility. For example:
- A commercial driver’s employer may be held liable if the accident involved a company vehicle.
- A manufacturer could be responsible if a defective car part contributed to the crash.
When liability is unclear or disputed, having an experienced attorney on your side can make all the difference in building a strong case and proving fault.
Insurance Coverage
Texas is an at-fault state, meaning the at-fault driver’s insurance is typically responsible for covering your damages. Here are the primary types of insurance coverage that may apply:
Liability Insurance
The at-fault driver’s liability insurance covers your medical expenses, property damage, and other losses. Texas law requires drivers to carry a minimum of $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage.Your Own Insurance
If the at-fault driver is uninsured or underinsured, your policy may cover the gap through uninsured/underinsured motorist coverage. Additionally, personal injury protection (PIP) or medical payments (MedPay) coverage can help pay for medical bills regardless of fault.Third-Party Claims
When the accident involves a commercial vehicle or defective car parts, third-party claims may come into play. This could include filing against the business or manufacturer responsible.
Steps to Take After an Accident
Navigating the aftermath of a car accident can be overwhelming, but taking these steps can protect your rights and strengthen your claim:
- Seek medical attention immediately, even if you feel fine. Some injuries may not present symptoms right away.
- Gather evidence, including photos of the accident scene, witness contact information, and the police report.
- Notify your insurance company and report the accident promptly.
- Consult a personal injury attorney to understand your options and secure representation.
Why Choose Williams Attorneys?
At Williams Attorneys, we have a reputation for taking on complex car accident cases and winning. Our legal team understands how to navigate liability disputes and fight for maximum compensation. Whether negotiating with insurance companies or representing you in court, we’re here to ensure your rights are protected and your recovery is prioritized.
Don’t let an accident leave you financially and emotionally overwhelmed. Contact our team today at (361) 866-5535 for a free consultation, and let us help you get back on the road to recovery.