Insurance Coverage

Liability Insurance Coverage

Texas state law requires people who operate a motor vehicle on the highways and roadways of the State of Texas must purchase a minimum amount of “Liability” insurance coverage. Liability insurance coverage provides people with peace of mind, ensuring their injuries and property damage will be covered in the event of an accident. Many motorists are unaware of the varying levels of car accident insurance. At the law firm of John W. Greenway, we advise clients on insurance coverage and policy limits. Our understanding of car accident insurance allows our firm to provide injured clients with comprehensive legal representation.

If you are dealing with an injury or have legal questions about your car accident insurance, contact our firm.

Personal Injury Protection (PIP) Insurance Coverage

Personal Injury Protection (PIP) benefits is a type of insurance coverage that pays for reasonable and necessary medical bills incurred as a result of an automobile accident, whether you caused the accident or someone else did. PIP also covers up to 80% of any lost wages that you may incur as a result of a motor vehicle collision. If someone else is responsible for causing your injuries, Texas law allows you to claim your medical expenses and lost wages against the at-fault party’s “liability” insurance coverage. Further, since you pay a monthly premium for the PIP coverage, Texas law also allows you to claim your medical bills and lost wages under your PIP coverage with your own insurance company. The end result is that you receive additional monetary recovery to help make you whole again.

I highly recommend that your purchase the maximum amount of PIP insurance coverage that your insurance company sells. The monthly premium is very affordable and, unless you are involved in a very minor accident, you will be paying thousands of dollars to get good medical care to help you recover from your injuries.

If you are like many of the individuals residing in the Central Texas region, you don’t have good health insurance coverage or you don’t have any health insurance coverage at all. Further, nowadays, many health insurance companies refuse to pay for medical expenses incurred as a result of an accident because they think you will get your bills paid by the other party’s “liability” coverage. This is not always the case. Thus, PIP insurance coverage is a great way to protect yourself and your family in case you are involved in an automobile accident and you are injured badly enough to require medical care.

Underinsured Motorist Coverage

Uninsured/Underinsured Motorists Coverage insurance coverage (UM/UIM) will protect you in the event the person who caused your accident and resulting injuries does not carry “liability” insurance or does not carry enough “liability” insurance to pay your total damages. In other words, if the at-fault driver does not carry liability coverage or if your total damages exceed the negligent party’s liability policy limits, then you have the right to make a claim for UM/UIM benefits.

I urge you to carefully consider the benefits of paying a little extra Premium for (UM/UIM) car accident insurance coverage each month to ensure you are protected if you are in an auto-related accident and injured by a person who either does not have any liability insurance coverage or whose liability policy will not have high enough limits to cover your injuries and pay your total damages...

If you have questions about car insurance coverage, or if you have been injured and are unaware of how your policy limits work, contact our firm.