The National Highway Traffic Safety Administration estimates roughly 6 million car accidents in the United States annually. Someone is injured or killed in a traffic accident somewhere in Texas every day. As a result, in 2017, there were 14,282 crashes on Texas roads, according to data from the Texas Department of Transportation.

You can file a claim against the at-fault party’s liability insurance if you are injured due to their carelessness or negligence. Note that there are various forms of auto insurance and that familiarity with each type’s nuances will aid in filing a claim. Learn more!

So, what exactly is all-inclusive coverage?

Besides protecting automobiles in the event of an accident, comprehensive insurance also protects against theft, vandalism, legal liability, and damage to third-party properties, including other vehicles. If a driver purchases full coverage insurance, they will be protected from financial loss should they be found legally responsible for an accident. Even while comprehensive insurance is technically not required by law, it may be required by your lender if you are financing or leasing your vehicle.

What can you expect it to cover when you have basic comprehensive coverage?

All-inclusive insurance typically pays for things like:

  • When an insured person or their designated driver causes bodily injury to another person, the policyholder or driver is financially responsible for medical expenses and other related costs.
  • Personal injury protection and medical payments are types of liability insurance that cover the cost of medical care, missed income, and service replacement in the event of an accident. Burial costs could be covered as well.
  • If you or anybody else using your automobile causes damage to someone else’s property, this type of liability insurance will help cover the costs. If the vehicle causes damage to another vehicle, building, or structure, the policy may pay for the repairs.

May I File a Lawsuit Against a Driver Who Just Had the Barest Minimum of Insurance?

Liability insurance is essential because it safeguards drivers from financial ruin in the event that they do harm to another person or their property. Yet, sometimes the insurance company you file a claim with will either outright deny your claim or offer you a settlement well below your case’s value. You can file a claim denial lawsuit against the at-fault driver and their insurance provider if you were involved in an automobile accident that wasn’t your fault. Hiring an attorney who can help you challenge the insurance provider’s activities is crucial before filing a lawsuit.

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