Auto insurance is complicated. Especially in the aftermath of a car wreck in which you sustained agonizing injuries, you do not want to decipher the complex legalese of your auto insurance policy.
Understandably, you are more focused on receiving compensation for your injuries, lost wages, and pain and suffering than learning if you have no-fault insurance.
Is Texas a No-Fault State?
Texas law differs from states that have compulsory no-fault coverage. So, is Texas a no-fault state? That question is very astute, and the answer is not quite as straightforward as you might think.
In Texas, your auto insurance company must provide you with PIP. But you can opt out by declining PIP coverage in writing. The ability to opt out of PIP coverage aligns Texas with other states that follow the “tort” rules.
In states that follow the traditional tort rules, the party whose negligence caused the accident bears the responsibility of compensating the victim for their losses. The insurance company of the party at fault for the accident will pay the victim damages that include lost wages, medical bills, future medical expenses, as well as pain and suffering.
What Does No-Fault Insurance Mean?
No-fault insurance laws require insurance companies to pay for your medical bills and lost wages if you are hurt in a car crash. The coverage is called “no-fault” because your insurance company pays your bills regardless of who caused the collision.
No-fault insurance laws arose when states tried to reduce the number of auto accident claims going to court. These states passed laws that require auto insurance companies to provide you with personal injury protection (PIP) and medical payment (MedPay) coverage without the opportunity to opt out of the coverage. PIP and MedPay cover medical bills and lost wages without assessing the fault of anyone involved in the accident.
How Can a Lawyer Help Me Maximize My Award?
Taking on an insurance company without legal representation is a daunting task. Focusing on your physical, emotional, and psychological well-being should be your main concern. When you work with Grossman Law Offices, we help you focus on getting you back to health while we focus on building a strong case for you.
Our lawyers have extensive experience fighting for people just like you. We will gather your medical bills, accident reports, photographs, videos, and wage documentation. Additionally, we advance the costs of your claim to you: we never ask you to pay anything out of pocket. We want you to keep your money in your pocket where it belongs. That’s why we take cases on a contingency fee basis. We only get paid if you win.
We will also handle the negotiations with the insurance adjusters responsible for minimizing the amount of money insurance companies pay out in settlements. We will file your case in court if the insurance company refuses to settle for less than your case is worth.
Contact Grossman Law Today
Texas Super Lawyer Michael Grossman and his team of dedicated attorneys are ready to help you recover from your accident. Call our office today at 855-816-4624. We will schedule a free case review to help you get back on your feet. Although we have won numerous awards and have an impressive record of document case results, our mission is to help you when you need it the most.