Insured and Uninsured Defendants

In Texas, and without exception, all drivers must have auto insurance. Several powerful technologies allow law officers to know this important fact instantly, and mete-out “street justice” by immediately towing non-insured vehicles and give them costly tickets. But still, one-in-four drivers remain uninsured. If an insurance company is involved in your case or not, it makes a huge difference in the legal process and the outcome of your claim. But certain conditions surrounding your accident (and compensation) can become intricate, and contentious.

Suppose that both drivers involved in your accident were insured and an insurance company is responsible for compensating you for your injuries. Coverage is generally good news for you because it usually means there will be some amount of money available to compensate you for your losses if you’re successful in bringing your claim. And yet, most drivers with “street legal-only” insurance carry minimum coverage on their vehicle, and the insurance policy may not fully reimburse you for your losses if your accident was especially severe. Additionally, just because there is money theoretically available under an insurance policy to compensate you doesn’t mean that that compensation check is easy to come by. Anyone who has carried minimum coverage understands that some companies pay better (meaning quicker) than others. And some, with claimants as well as customers in-general, aren’t generally very responsive to any process other than taking in premiums. In just about any accident case where an insurance company is involved, it means that you’ll be up against aggressive adjusters, accident recreation specialists, defense attorneys, and investigators who all work to see that you lose. Visit this website @
Then there’s the 25 percent chance (at least!) that the other driver involved in your wreck was uninsured. Hopefully, you have uninsured/underinsured (UI/UnI) motorist coverage. Since the other driver is responsible for paying you for your injuries, your primary interest is knowing your insurer will step up to the plate and cover you (or pay the difference) when the negligent driver comes up-short at compensating you. You also must know how solvent this negligent driver is. If a defendant is insolvent, it means that the defendant does not have the money to completely compensate you for your injuries: or even compensate you all. When a defendant is insolvent, there’s little value in pursuing litigation against him, no matter how strong your case is in proving he should otherwise be held liable for your losses. It is a sad but regular reality that some accident victims are unable to recover compensation from insolvent defendants.

Sometimes, the other driver will take steps to hide his assets to appear insolvent. He might also try and conceal this wreck from his insurance company that threatens to drop his coverage if he gets in one more. The car accident attorneys at our Texas Law Firm traditionally perform an asset check on any defendant to find out how much he’s worth and also get a clear picture of his actual insurance coverage. If there’s money available, we’ll find it and work to make sure you receive what is owed to you.

Call us today. One of our accident injury attorneys will patiently listen to you, analyze your case, and explain your options. Our goal is to make sure that you recover as much as possible for your injuries and make this sometimes complicated legal process as easy as possible for you to bear.

The period after a car accident is often stressful and confusing. Don’t add to it and the confusion it creates by letting an inexperienced attorney handle your case or represent yourself when you are unqualified. With decades of experience, we are uniquely qualified and fully prepared to get you the best results possible. If you or someone you know was injured in a car accident, contact an attorney at our Texas Law Firm today for a free consultation and find out how we can help you.