Dallas Automobile Accident Attorney

INSURANCE COVERAGES for AUTOMOBILE ACCIDENTS:

Personal Injury Protection: Texas Law states that your insurance
company must "offer" to give you PIP (Personal Injury Protection) with
any automobile insurance policy in Texas. You can reject it, but it must
be in writing. If there is no signed written rejection, then you have the
coverage.

In most cases PIP covers up to $2500 (in total, all combined) in
medical bills, lost wages-80%, and reasonable household duties that
couldn't be performed due to an injury (in other words, if you had to hire
someone to mow your lawn due to your injury, when you regularly did it
yourself). Many insurance companies will also sell up to $10,000.00
in PIP coverage if requested. You should get as much PIP coverage as
possible to protect yourself in case you are involved in an automobile
accident.

Uninsured/Underinsured Motorist Coverage: About one out of three
drivers on Texas roads are driving without insurance. Either they let
their policy lapse, they never got a policy, they forgot to make a
payment, they purchased a new car and forgot to add it, or some other
reason. You must make sure you have this coverage. If you are in a
car wreck with someone who is uninsured, you will have no way to get
your vehicle repaired without at least Uninsured Motorist Coverage.

You should also have UNDERInsured Motorist Coverage. Some
people have extremely small insurance policies. If you are involved in a
multiple car accident, the wrongdoer's insurance policy might not have
enough coverage to pay for everyone's claims. This is when you will
need to turn to your Underinsured Motorist Coverage.

Liability Coverage: Review your insurance policy and make sure you
have enough coverage to pay a claim in case you are at fault in a
collision. Most people carry a policy with 20/40/15 coverage. This
means you have $20,000 per person injured coverage, up to $40,000
total (in case there are multiple people hurt-$40,000 is the maximum
they will pay). The 15 means that the most they will pay out for property
damage (damage to another vehicle) is $15,000.00. These minimum
limits have been in effect in Texas for more than 20 years. They may
have been adequate then, but they are very low now. Get enough
coverage to protect yourself from personal liability.