When a passenger vehicle, such as a car or motorcycle, collides with a commercial truck, the passengers in the smaller vehicle are much more likely than the truck’s passengers to incur serious injuries. An accident of this serious nature many leave the victims and their families with high medical and rehabilitation costs. These expenses can exhaust the coverage of your insurance policy, and you will be responsible for the rest of the bills. How will you be able to cope?
Fortunately, there may be multiple sources of compensation available if you were involved in a truck accident in Houston. With the help of a truck accident lawyer from de Lachica Law Firm, you may be able to turn to other sources to cover the costs of your injuries. Our truck accident lawyers can help you understand your legal options. Contact us today for more information.
Commercial Auto Insurance Requirements in Texas
As defined under §601.072 of the Texas Transportation Code, the minimum amount of insurance coverage allowed under the law is as follows:
- $30,000 for bodily injury or death of one person
- $60,000 for bodily injury or death of two or more persons
- $25,000 for property damage
This extremely basic amount allowed is known as “30/60/25 coverage.” All trucking companies have a duty under the law to be able to demonstrate financial responsibility for their vehicles. This can be done through documentation – such as a motor vehicle liability insurance policy, an insurance binder, or a surety bond certificate – or through a liability self-insurance.
The Costs of a Houston Truck Accident
After a devastating truck accident in Houston, you may be facing a variety of costs and expenses. Some of those costs include:
- Medical bills such as doctor’s fees and hospital bills
- Loss wages while you recover from your injuries
- Loss of any future wages
- Cost of rehabilitation and therapy
- Out-of-pocket expenses such as housekeeping or home modifications
- Property damage, including damage to your vehicle
- And, in some cases, funeral expenses
Insurance may not pay for all these expenses. This is why you need an experienced truck accident attorney to help you get the compensation needed to recover from your injuries.
When Filing an Insurance Claim Following a Truck Accident
When it comes to truck accidents, victims may have claims against four or more different insurance companies. It can be quite difficult to figure out who is the responsible party, especially if the accident has not been properly investigated. Without legal counsel present to identify the sources of compensation and pursuing those claims effectively, you may file for the wrong type of claim or miss out on potential monetary damages.
At de Lachica Law Firm, our truck accident lawyers are prepared to fight aggressively for your rights. We can make sure that you recover the maximum compensation available from all sources. In addition, we can help you navigate through the complexity of insurance claims to make sure you pursue all options for insurance compensation.
If you were involved in a truck accident in the Houston area and need help with your insurance claim, don’t delay. Contact the Houston truck accident lawyers at de Lachica Law Firm, PLLC, now for a free consultation.