If you’ve been involved in an automobile accident,
or a motorcycle accident, or an accident with an eighteen wheeler, generally there’s three
types of claims to determine. The first would be any and all liability claims, the second is going to be potential first part claims, and the third handles what we generally
call no-fault coverage. A few start with liability says. When we’re speaking about liability,
we’re obviously referring to the at-fault party.
In the circumstance of an automobile accident,
that would be the negligent driver. Remember though, you may also have a liability cause
of action against the driver’s employer. In case the driver was in the course and scope of his
or her employment. And occasionally you may even have a liability claim against the vehicles owner, if the owner of the car negligently entrusted it to the driver.
The other kind of claims that
we typically see in the context of an auto accident is first party claims. That’s going
to be underinsured motorist statements and uninsured motorist claims. Obviously uninsured motorist
claims are seen in the context of a strike and run accident, where a driver hits you and
flees the landscape. Requirement in Texas is the fact there be actual physical contact between the
An underinsured motorist state may be accessible if your damages exceed the at-fault
party’s liability limits. The final type of declare that we typically see in the context
of an auto collision is a no-fault claim, which is mainly personal injury safety
and med-pay. What we commonly refer to as PIP benefits, or something you carry on your
own policy as a no-fault coverage, that generally entitles you to compensation of your medical
expenditures and wages in the amount of twenty five hundred dollars. The only difference
with med-pay, is that your insurance transporter will have a subrogation right if you have
an improvement against the at-fault party..