call-icon(512) 883-0277
call us icon(512) 883-0277
Text Us

What Happens When My Car Accident Settlement Exceeds the At-Fault Driver’s Insurance Coverage?


Getting injured in a vehicle collision in Austin Texas can be very frightening. One minute you are on your way to work, school, or to grab dinner, and the next you are seeking medical care for injuries caused by another driver’s negligence.

When an accident occurs, you lose your vehicle, your well-being, and depending on the severity of your injuries your livelihood.

Our Glen Larson Law Injury Attorneys personal injury attorneys in Austin provide the skilled legal representation our clients need to pursue the maximum financial recovery from the negligent driver’s insurance coverage, so they can get their lives back on track.

Unfortunately, many drivers carry the state minimum insurance coverage requirement, which means if you have suffered catastrophic injuries that are well over baseline coverage, where will the rest of the money come from?

Here is what you need to know about getting the most from your car accident injury claim in Texas.

What Are the Minimum Vehicle Insurance Coverage Requirements in Texas?

In Texas, all drivers must carry the minimum car insurance requirements to legally operate their vehicles on our roadways.

According to the Texas Department of Insurance, the coverage requirements include:

  • $25,000 property damage liability
  • $30,000 per person, per accident for bodily injury
  • $60,000 for all persons, per accident for bodily injury

What Happens When the Injured Person’s Expenses are More than the Driver’s Insurance Coverage?

Many drivers take it upon themselves to outline their coverage options and increase the values for property damage, bodily injuries, and even uninsured/underinsured motorists, so they are not personally pursued the sum of the outstanding expenses.

When a negligent driver’s insurance coverage is less than  our client’s financial and physical recovery needs, other options may include:

Collecting additional compensation by seeking a personal judgment against the at-fault driver for the balance of our client’s financial recovery needs

Pursuing an umbrella policy, which is common coverage for motorists driving a company vehicle even when it is their personal car, truck, or SUV being used for business purposes at the time of the crash

Suing additional at-fault parties to collect damages under more than one insurance policy when more than one driver was responsible for our client’s crash and injuries

Our experienced car accident attorneys in Austin will help identify other potentially responsible parties, coverage, or financial options that will help bridge the gap between the insurance policy and each of our client’s complete injury expenses.

Contact Our Experienced Car Accident Attorneys in Austin Today for a Free Consultation

If you have suffered a personal injury caused by negligence in Texas, call our skilled Austin personal injury attorneys at Glen Larson Law Injury Attorneys at 512-883-0277 or contact us online today to schedule a free consultation with our bilingual staff who is available 24 hours a day, seven days a week to ensure your legal rights are protected.

© 2024 Glen Larson Law Injury Attorneys. All Rights Reserved.

AMN logo