Did you or your loved one suffer serious injuries in a car accident? Then you could be due compensation, either through the at-fault driver’s insurance or through legal action. To learn more about seeking compensation for serious injuries from car accidents, read on or contact a car accident attorney at the Law Offices of Pat Maloney today.
What the Insurance Should Cover
Victims who suffer serious injuries from car accidents often find themselves facing a number of high costs in the wake of their wreck. There are medical bills to pay, lost wages to make up, and usually car repairs to handle. In many cases, the insurance company for the at-fault driver will cover most or all of these expenses.
Typically, they will offer these types of compensation to victims:
- The costs of medical treatment for their injuries.
- The costs of repairing the victim’s vehicle.
- Rental car expenses, if one is required.
The extent to which insurance will cover these costs depends on the driver’s specific policy limits. In Texas, the law says drivers must care a minimum of $30,000 in liability for each injured person in an accident, and $60,000 total for the entire accident. Additionally, they must carry at least $25,000 in property damage coverage.
Unfortunately, just because the law stipulates this coverage minimum does not mean every driver abides. You may find yourself in a wreck with an uninsured driver, or, if your injuries are particularly severe, these minimums may not be enough to cover your expenses. In this case, you would need to take legal action to seek the compensation you deserve.
Taking Legal Action for Serious Injuries from Car Accidents
If the at-fault driver doesn’t have adequate (or any) insurance coverage or their insurance provider just isn’t coughing up enough money to cover the costs of your injuries, you may have grounds to take legal action and seek additional compensation.
Through a legal claim, you can actually seek much more for your injuries than you could through insurance. In addition to getting your medical bills, car repairs, and rental expenses covered, you may also be able to seek compensation for:
- Future medical costs are expected, such as rehabilitative therapy, additional surgeries, and more.
- Lost wages and income, if your injury has kept you from work or rendered you unable to do your job.
- The pain, suffering, and mental anguish your injuries have forced you to endure.
- Loss of consortium, if your injuries have affected your physical relationship with your spouse.
You may even be able to seek punitive damages in your legal claim if the at-fault driver was particularly reckless or irresponsible in causing the accident. These types of damages are designed to punish the defendant, discourage future similar behavior, and go above and beyond the damages you are already due. Though there is no way to determine exactly how much punitive damages you may be due, an attorney can help provide you with a ballpark figure.
Victims who have suffered serious injuries from car accidents should always consult a personal injury attorney as soon as possible. An attorney can help guide victims through the insurance claims process and field settlement offers from the appropriate insurance companies. They’ll evaluate whether these offers are adequate enough to cover the victim’s expenses. If they’re not, they can help the victim take legal action and file a claim to get the compensation they so deserve.
Were you or a loved one seriously injured in a car wreck? Then contact an attorney at the Law Offices of Pat Maloney today. We’ve helped thousands of victims, and we know how to help you get compensation for your injuries and other expenses. Call today!