After an accident in Wichita Falls, a big concern for victims is how they are going to pay for their medical bills. Many Wichita Falls accident victims rely on the at-fault driver’s insurance company to pay all their medical expenses. However, sometimes the at-fault driver’s insurance policy isn’t enough to cover all the costs associated with the accident.
How a Wichita Falls Accident Lawyer Can Help You
Our Wichita Falls personal injury law firm in Wichita Falls, Texas deals with these types of cases all the time. When your medical bills exceed the at-fault driver’s policy limits, our Wichita Falls accident lawyer will investigate other potential sources of recovery, including:
- Other at-fault parties
When you’re involved in an accident in Wichita Falls, it’s critical to determine all the parties that are responsible for that accident. Accidents that involve multiple responsible parties can result in the responsible parties being jointly liable and being able to utilize all of their insurance policies to recovery for your injuries. So, if two drivers were equally responsible for your accident, both of their insurance policies would kick in to compensate you for your injuries. If your injuries amounted to $60,000 and each party had a policy limit of $30,000, then both of their insurance policies would kick in to cover your full medical costs.
Situations that often involve multiple insurance policies include:
- Multi-vehicle accidents
- Truck accidents
- Dram shop accidents
- Products liability accidents
- Premises liability accidents
- Umbrella policies
Large companies often have umbrella insurance policies that will kick in when their liability insurance has hit its limit. For these types of policies, it’s important to understand if they will apply to your case before you attempt to settle your Wichita Falls accident claim.
- Uninsured/Underinsured Motorists
If you don’t already have it, we highly recommend getting uninsured/underinsured motorist coverage. This is a type of policy that will kick in and cover the costs associated with your accident when the other driver’s insurance policy isn’t enough. This type of coverage is very beneficial. We’ve seen plenty of cases where it has helped accident victims and even more cases where accident victims needed it but didn’t have it. Therefore, we highly recommend this coverage. It’s relatively cheap and provides you with the extra protection you need.
We can assist you in identifying all potential sources of insurance and recovery and help you negotiate medical bills and liens. Being able to do this effectively is especially important when the at-fault driver doesn’t have enough insurance to cover all your medical bills.
Contact our Wichita Falls Accident Lawyer
If you or anyone you know has been injured in an accident in Wichita Falls and you’re facing a situation like this, call us today at 940-569-4000 or fill out our contact form to set up a free, confidential, no-obligation consultation. We will give you a free evaluation of your case and handle the entire situation for you, lifting the stress off you and allowing you to focus on recovering from your injuries.