Houston Car Accident Lawyer
According to the Texas Department of Transportation’s Texas Motor Vehicle Crash Statistics 2017, car crashes in Texas in 2017 injured 254,853 people, including 17,546 with serious injuries. That same year car accidents caused an astonishing 3,721 fatalities in the state. Not a day went by that someone didn’t lose their life on a Texas roadway. Closer to home, Harris County car accidents accounted for 108,442 total crashes, 2,154 serious injuries and 455 fatalities. These numbers were higher than any other county, more than double Dallas County and actually made up more than 20% of all Texas car crashes.
The majority of wrecks involved more than one vehicle, including head-on collisions and intersection crashes. Construction work zones, speeding, alcohol, distracted driving, weather and road surface conditions were some of the major contributing factors to these collisions. The fact is that most car accidents are preventable; they happen because a driver does not exercise the reasonable, expected level of care and attention while driving. Texas personal injury law allows car accident victims to recover compensation for their injuries but puts the burden on the victim to prove the other driver’s negligence and fault and the extent of their injuries. The Houston car accident lawyers at Livingston & Flowers are vastly experienced in helping car accident victims recover compensation in car accidents throughout Harris County and communities from Galveston to Beaumont. Learn more about Texas car accidents below, and contact Livingston & Flowers, P.L.L.C. for a free consultation after a crash.
Texas car accident insurance laws
Texas drivers are required to carry proof of financial responsibility in case they cause an accident. This proof is usually carried in the form of liability insurance. The minimum amounts of coverage required by Texas law are $30,000 to cover personal injuries to one person, $60,000 if more than one person is injured, and $25,000 to cover property damage.
This minimum amount may cover the cost of most minor accidents, such as soft tissue injuries, as well as some more serious ones. But if the car accident victim is severely injured, these minimum amounts are unlikely to cover a lifetime of medical expenses, lost income, pain and suffering, diminished quality of life and other legal damages recognized under Texas personal injury law.
In any case, and especially if you are seriously injured, it is important to hire an experienced car accident attorney who knows how to investigate the facts of the accident, get you the proper medical care, and project the total costs of your injury. Insurance companies try to downplay victims’ injuries or shift blame for the accident onto the victim to lower what they have to pay or avoid paying altogether. You need a lawyer with the skill and resources to stand up to these insurance company tactics and fight for a full and fair amount of compensation.
What happens if you are hit by a driver who doesn’t carry insurance?
Despite the law requiring proof of financial responsibility, not all Texas drivers carry insurance. In fact, over 14% don’t. In Texas, that’s well over two million uninsured drivers, thousands of whom are likely on the road at any given time. If you’re hit by a driver without insurance, you can still make a claim. In this instance, you can make a claim with your insurance company under your Underinsured Motorist (UM) coverage. Texas insurance companies are required to offer Uninsured/Underinsured Motorist (UM/UIM) coverage in the same amounts of the liability coverage you purchase, so you’ll have this coverage unless you rejected it. UM/UIM pays you if you were hit by an uninsured driver, an insured driver whose coverage doesn’t meet all your costs, or if you were hurt by a hit-and-run driver who cannot be identified.
Nevertheless, policyholders making UM claims with their own insurance company find hurdles and obstacles to getting the full amount of their claim paid. Even your own insurance company may find you partially at fault for the accident or question the nature and extent of your injuries. The Houston car accident attorneys at Livingston & Flowers can help you get the most for your claim, whether dealing with the other driver’s insurance company or your own.
Livingston & Flowers Attorneys are Here for You after a Serious Houston Car Accident
The Houston car accident lawyers at Livingston & Flowers are experienced in many types of car accidents, truck accidents, motorcycle accidents and more. Call our office at 713-489-4400 for a free consultation if you’ve been injured in a car accident in Houston. We’ll dedicate ourselves to seeing you get the care and compensation you need after being harmed by the negligence of another.