The Role of Insurance in Car Accident Claims - San Antonio Auto Accident Attorneys

Texas mandates that all drivers carry insurance for their vehicles. This insurance is designed to compensate those injured or damaged in car accidents, including drivers, passengers, and property owners. In a San Antonio car accident, insurance plays a crucial role in providing financial relief to victims. A skilled personal injury lawyer can help injured individuals secure appropriate compensation from the responsible party or parties.

At Carabin Shaw, our team has decades of experience in personal injury law, and we understand the rights of accident victims along with the responsibility of the insurance company. We offer our services on a contingency-fee basis, so you don’t have to worry about upfront legal costs. We also offer a free case review, so you can make an informed decision about your legal options without incurring any costs.

In San Antonio, each vehicle owner must have $30,000 of liability coverage per person and $60,000 per accident. This coverage helps you pay for damage you cause in an accident, and many people prefer to carry more than the state minimum requirements.

Insurance companies automatically apply uninsured/underinsured motorist coverage to all personal auto insurance policies, but policyholders can deny the coverage. This protects you from other drivers who may illegally operate vehicles without insurance or who do not have enough insurance to cover your damages. The amount of coverage you have for your uninsured motorist policy limits typically matches your liability limits.

Other San Antonio car accident insurance options include collision coverage, personal injury protection (included automatically), towing and labor, and rental reimbursement coverage. All of these are optional auto insurance coverages, and policyholders can purchase them for an extra premium.

You should call your insurance company as soon as possible after a car accident. This means making sure everyone is safe, calling the police, and receiving needed medical attention. Your insurance card should have a phone number on the back of it, and calling this number begins the claims process. You should also call your San Antonio auto accident attorneys.

An adjuster will look at the damage from the car accident and request any information necessary to pay your claim. The insurance company may also help you to get compensation from an at-fault driver’s insurance company. If this compensation doesn’t cover all your damages, you should consider hiring an attorney and filing a personal injury lawsuit.

When your insurance company does not pay a satisfactory amount, you may file a lawsuit against the company or the at-fault party. Personal injury claims may result in a trial or an alternative dispute resolution. During this process, you can claim economic and noneconomic damages, including:

• Medical costs
• Property damage
• Lost wages
• Pain and suffering
• Mental anguish
• Disfigurement
• Disability
• Loss of relationship
• Loss of life enjoyment
• Travel costs
• Future costs

Your lawyer will help you to gather evidence, calculate the value of your damages, and present a case that helps you to maximize your compensation.

The reluctance to hire a lawyer often comes from a fear of legal costs or social stigmas surrounding litigation. On the contrary, legal representation helps to level the advantages held by insurance in car accident claims and their legal teams. A personal injury attorney can help you get the compensation you deserve.

The San Antonio car accident lawyers at Carabin Shaw serve our clients with professionalism and compassion. Our client reviews reveal how our team has helped so many people to financially recover from car accidents, and we strive to continue providing top-notch legal services for our future clients. Call our toll-free number today at 800-862-1260. We have English- AND Spanish-speaking staff available 24/7.

For more information:

• TDI Texas
• Statutes Capitol Texas
• TDI Texas