Waco Car Accident Insurance Lawyers
A car accident can be a frightening and confusing experience. Your automobile may be totaled, and you or a family member may be severely injured or disabled as a result of the collision. You will be worried about how to pay expensive medical bills. If the accident leaves you unable to work, you may also face difficulties paying for food, housing and other daily living expenses. The last thing you need to worry about is dealing with insurance companies.
At The Bob Richardson Law Firm, we want you to focus on recovering from your car accident. We’ll deal with the insurance companies and work hard to make sure the driver who caused your crash is held accountable and that you are fairly and fully compensated for your damages.
In fact, we recently won a major case in the Texas Supreme Court, Tanner, et al. v. Nationwide Mutual First Insurance Co., which will preserve the rights of all Texans against automobile liability insurance companies who try to get out of paying valid claims.
We have more than 30 years of experience in working with insurance companies and securing favorable verdicts and settlements on behalf of car accident victims in Austin, Waco, Round Rock, Georgetown, Killeen, Temple, Cedar Park, Lakeway, Taylor, Belton and surrounding Texas communities.
To learn about how The Bob Richardson Law Firm can help you with your car accident insurance issues, call us today toll-free at (800) 880-5100 or use our online contact form. We can provide you with a free case evaluation, and we won’t charge for our legal services unless you recover.
Texas Car Accident Insurance Involves Complex Issues
In any Texas car accident, complex insurance issues will arise. That’s why it’s important to work with a skilled and seasoned car accident lawyer who understands the interplay between different types of insurance policies and will protect you against insurance companies that are more concerned about their revenue than your physical, emotional and financial health.
At The Bob Richardson Law Firm, our car accident attorneys have experience representing clients in insurance issues involving:
- Liability coverage: Under Texas
law, every driver is required to carry liability
coverage that will pay for property damage and
bodily injury they cause in a car accident,
including the cost of the victim’s automobile repair
or replacement, medical bills, funeral costs, lost
wages, pain and suffering and, if warranted,
punitive damages.
The current minimum liability policy limits are $30,000 for bodily injury (one person), $40,000 (two or more persons) and $15,000 (property damage). Most car accident issues involve the at-fault driver’s insurance company denying or delaying payment of a claim that was triggered by their own insured’s negligence. - Personal Injury Protection (PIP) coverage: This
is coverage you may have purchased from your own
insurer, and it can cover your losses regardless of
who caused the car accident. PIP covers your medical
and funeral expenses and most of the wages you may
lose while trying to recover from a crash.
Under Texas law, every insurance company must offer PIP coverage, and it can only be rejected by you in writing. Insurance companies may try to deny PIP payments, claiming you waived coverage or contesting the amount of your claim. - Uninsured Motorist / Underinsured
Motorist (UM / UIM) coverage: This is the
most important insurance you can purchase. UM / UIM
coverage covers your medical expenses, lost income,
pain and suffering and repair/replacement loss of
your car when you are involved in a crash with a
hit-and-run driver, a driver who has no insurance or
a driver who has insurance that won’t adequately
cover your damages.
Although Texas law requires every driver to have liability coverage, the fact is that countless drivers are on Texas roads without any insurance. And even if they have coverage, many drivers purchase only the minimum amount they need to get their vehicle registered. Even a minor car accident can result in damages that exceed most drivers’ liability coverage limits. That’s why UM / UIM coverage is so important.
As with PIP coverage, every Texas insurance company must offer UM / UIM coverage, and it can only be rejected by you in writing. Again, insurance companies may claim you waived the coverage or challenge the amount of damages you are seeking.
We Don’t Back Down From Insurance Companies
Most insurance companies will have an army of attorneys at their disposal to review and contest your claim. However, they will often tell car accident victims that they don’t need legal representation, and they will try to persuade you to settle quickly and for a dollar amount that may not sufficiently cover your losses.
At The Bob Richardson Law Firm, we know how insurance companies operate, and we know how to navigate the complicated issues involved with insurance policies. We won’t let insurance companies take advantage of your situation, and we will work hard to make sure you are fully compensated for the harm you or a loved one has suffered.
Contact Our Texas Car Accident Insurance Attorneys Today
If you or a family member has been injured in a car accident in Austin, Waco or the surrounding Texas communities of Round Rock, Georgetown, Killeen, Temple, Cedar Park, Lakeway, Taylor or Belton, call us today toll-free at (800) 880-5100 or use our online form to learn more about how we can help you. We can provide you with a free case evaluation and answer your questions. We won’t charge you for our services unless we recover for you.
