If you've been in an accident, you're probably more concerned with your physical recovery than with culpability and the legal ramifications of what happened. However, if you don't know what actions to follow to submit an insurance claim or a personal injury lawsuit, your future might be jeopardized.
Gibbs & Crivelli, Slingshot Law are automobile accident lawyers who can help you understand Texas car accident legislation, as well as other laws and practical measures you may take to preserve your rights. If you're not sure how vehicle accident regulations may affect your claim, read on to find out.
When to Report a Car Accident in Texas?
If the event resulted in serious injury or death, the Texas Transportation Code requires drivers to immediately report any motor vehicle collision to the police or the sheriff's local office. You must also report the accident if any of the vehicles involved are unable to drive owing to damage received in the collision.
If you fail to report an automobile collision in a timely manner, Texas law states that you may be jailed for hit-and-run and face legal consequences such as jail time or a $5,000 fine.
Texas' Comparative Fault Laws
Texas is an at-fault insurance state, which means that when an accident occurs, one motorist is determined to be at blame, and compensation for injuries is provided by that driver's liability insurance. In contrast to states without no-fault insurance laws, in which your personal injury protection policy will cover your injuries regardless of fault in the accident.
Texas has amended comparative blame vehicle accident regulations, which means you may be able to recover less in damages if you are determined to be partially culpable. The 51 percent rule indicates that if you are determined to be 51 percent or more at blame for the accident, you cannot receive any money from an injury claim.
Texas Car Accident Insurance Limits
Texas law requires all drivers to carry at least $30,000 in coverage for injuries per party, with a maximum of $60,000 per accident. The state also requires $25,000 in coverage for property damage.
Texas vehicle accident insurance rules are referred to as 30/60/25 coverage. Many drivers additionally buy supplementary liability insurance. In the event of an accident, this coverage can assist you in obtaining the monies necessary for a complete recovery.
Accidents involving commercial vehicles
If you have been injured in an accident involving a commercial vehicle in Texas, you may be eligible for compensation from the driver's employer or insurance company. These groups may be held accountable for any harm caused by the driver.
Commercial drivers are supposed to carry insurance that covers them while on the job, but it may not be enough to cover all of their injuries. If the driver does not have insurance or is unable to pay, their employer may be liable for your medical expenses and other losses. That is why it is critical to report the occurrence in a timely fashion.
When it comes to commercial drivers' insurance companies, particularly larger ones, there are still several resources accessible to victims. Consult your lawyer to ensure that you do not lose any compensation that is due to you.
Statute of Limitations for Texas Car Accidents
The time limit for personal injury cases in Texas is two years, while wrongful death cases have a four-year statute of limitations. If your car accident occurred over two years ago, it is probable that your claim will be restricted by the statute of limitations, unless there are specific conditions that prolong it.
If you have any doubts about whether your case was dismissed on these grounds, you should consult with a lawyer. If your claim is in jeopardy and you want to be compensated for your suffering, your lawyer can help you take action right now.
Learn More from a Texas Car Accident Attorney.
Modified comparative fault, insurance limits, and the Texas statute of limitations might be confusing. To make a successful claim for your damages, speak with an accident lawyer who can help you negotiate the laws that govern your case.
The attorneys at Gibbs & Crivelli, Slingshot Law understand how to use Texas vehicle accident regulations to your advantage against large insurance companies. We can help with any sort of claim. If you have any concerns or want legal assistance, please contact our office via our website or call 866-720-5254 to for a free consultation.
