Even crashes that occur at lower speeds can result in injuries to the people involved. Someone driving at parking lot speeds could injure a pedestrian or a cyclist, and factors ranging from the type of collision to someone’s pre-existing medical conditions can influence the severity of crashes between two or more vehicles.
The possible injuries could include broken bones, brain injuries and other severe medical issues, like spinal cord injuries. The treatment alone could cost thousands of dollars, and you could lose wages during your recovery as well.
Who will pay for your medical costs after a Texas collision?
The driver at home should provide insurance coverage
To legally drive in Texas, people first need to register their vehicles and carry liability insurance. Any crash can cause property damage, and so the state mandates at least $25,000 worth of property damage liability coverage. When people get hurt, there are two limits that may apply for bodily injury liability coverage.
Every driver should have at least $30,000 of coverage in case one person gets hurt and $60,000 of bodily injury coverage per crash. Sometimes, when there are multiple people injured or the injuries are catastrophic, insurance coverage won’t be enough.
That policy is also what would theoretically replace someone’s lost wages after a crash. If a driver only has the least amount of coverage required by law or they don’t have coverage at all, you may find yourself at a loss for proper financial support following the collision.
There are alternatives when the other driver can’t cover everything
When the full scope of your medical expenses exceeds the coverage that the other driver provides, there are generally two alternate options. If you carry uninsured and underinsured motorist protection on your policy, you may potentially be able to use that coverage to pay for some of the losses that the other driver’s policy did not cover.
If there are indications that the other driver broke the law or did something negligent, you may be in a position to pursue a personal injury lawsuit. If you have evidence and look into all of your options, you should not have to rely on your own financial resources or health insurance to cover treatment costs after a crash.
Learning more about your options following a motor vehicle collision can help you better handle the consequences of a wreck.