May 13, 2025
At Scanes Yelverton Talbert, LLP, our practice is firmly established in Central Texas, concentrating on the area known as the "iron triangle," which includes Dallas, Houston, and Austin. We are dedicated Texas attorneys who aim to help clients understand the laws of our state regarding personal injury cases. Our team is here to guide you and ensure you are well-informed. Take note of Texas's mandatory minimum car insurance requirement. Every driver must carry at least $25,000 in property damage coverage and $30,000 in bodily injury coverage as part of their car insurance policy. Many insurance policies offer additional coverage beyond these limits, which can be crucial in an accident. Many individuals are unaware that their insurance policies may provide additional coverage for personal injury claims. For instance, Personal Injury Protection (PIP) and Medical Payments (Med Pay) coverage are both no-fault insurances. You are not required to prove the other driver was at fault to receive benefits. These options can provide immediate financial assistance, allowing you to submit medical bills directly to your insurance company for reimbursement. Underinsured and uninsured motorist protection is another essential type of first-party insurance coverage. This coverage can help cover your medical costs if you are hurt in an accident brought on by a driver who does not have enough insurance. For example, if the at-fault driver only carries the minimum coverage and your medical bills exceed $30,000, uninsured or underinsured motorist protection may provide additional compensation for your losses, including pain and suffering. Understanding the effects of Texas tort reform laws—especially those passed since 2003 that restrict recoverable damages—is also crucial. Let's say, for instance, that a government vehicle hurts you. If so, the maximum amount you can get back is determined by whether the car is a state or city vehicle, with the maximum being $100,000 and $250,000, respectively. Furthermore, notification requirements for claims against government agencies are sometimes stringent. They can be as short as one month after the incident. You should seek legal counsel immediately if a government employee has harmed you while performing their duties. Furthermore, changes in Texas law since 2010 have altered how medical expenses are recovered in personal injury cases. In the past, even if an insurance company negotiated a reduced payment, plaintiffs could still get the full amount that medical providers had invoiced. However, recovery is only allowed up to the actual amount paid under the laws. Navigating these complications requires knowledgeable legal counsel to guarantee you get the most money possible under the law. At Scanes Yelverton Talbert, LLP, our mission is to guide clients through the complexities of personal injury law in Texas. If you or a loved one has been injured, we encourage you to visit our website to explore your legal options and connect with our team for further assistance.