When you have been involved in an automobile accident,
or a motorcycle accident, or an accident with an 18 wheeler, generally there’s 3
types of claims to determine. The first would be any and all responsibility claims, the other is going to be potential first part claims, and the third works with what we generally
call no-fault coverage. Let’s start with liability claims. When we’re speaking about legal responsibility,
we’re obviously mentioning the at-fault party.
In the context of an automobile crash,
that would be the negligent driver. Remember though, you may also have a liability cause
of action against the driver’s employer. If the driver was in the course and scope of his
or her employment. And in some instances you may even have a liability claim against the vehicles owner, if the owner of the vehicle negligently entrusted it to the driver.
The other form of claims that
we typically see in the context of an automobile accident is first party claims. That’s going
to be underinsured motorist statements and uninsured motorist promises. Obviously uninsured motorist
claims are seen in the context of a hit and run accident, where a driver hits you and
flees the scene. Requirement in Texas is that there be actual physical contact between the
An underinsured motorist state may be around 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 generally personal injury security
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 company will have a subrogation right if you have
a recovery against the at-fault party..