Pascoe Law FirmCAR ACCIDENT LAWYER
Principal office located in Friendswood, Texas.
Available to service League City, Webster, Pearland, Galveston, and the surrounding areas within Texas.
Home » What Does Full Coverage Mean Following a Car Accident
What Does Full Coverage Mean Following a Car Accident?
Full coverage generally means the other driver had liability and property damage auto insurance coverage. However, full coverage is not a universal insurance term. The meaning of what full coverage could and does not always mean the same thing from insurance company to insurance company or person covered. Full coverage is usually not an indication that the driver was adequately insured. For example, Texas requires certain minimum insurance amounts, but the minimum coverage may not be adequate to cover all of the costs of an auto accident. Sometimes comprehensive coverage is included in the definition of “full coverage,” but may not be mandated by law, like in Texas. Comprehensive coverage covers physical damage from sources other than auto accidents.
Minimum Insurance Coverage In Texas Could be Full Coverage
For a person injured in a serious car accident, a driver with state minimum ‘full coverage’ does little to help with the prospect of getting fair compensation for his or her loss as compensation in automobile accidents are limited to a significant degree by the amount of insurance coverage in place at the time of the crash. For instance, if you are in a car accident and break your leg and have surgery you may have medical expenses of $100,000.00. If the driver who caused your accident simply had the ‘full coverage’ minimum amount of coverage in Texas, you would only be compensated $30,000.00.
Driving Without Insurance Coverage In Texas
Another common problem that comes up in many auto accident cases is drivers that ignore the law. Despite the fact that Texas has required drivers to purchase liability insurance for decades, many drivers simply ignore the law or simply fail to keep policies current and up-to-date. With a significant number of drivers on Texas roads without any insurance (some studies suggest nearly 15% of all drivers) it is crucial that you protect yourself and your family with the purchase of under-insured motorist coverage that exceed the state minimums by a significant amount. For a relatively modest amount, auto insurance coverage can be expanded greatly beyond what Texas obligates drivers to carry, and that could provide peace of mind.
Don’t Assume that a Driver’s Coverage Will Automatically Compensate You for Your Injuries
Don’t automatically think that an insurance company for an at-fault driver will simply take care of your injuries, medical bills, and lost wages. Even when drivers carry ‘full coverage’ the coverage may be insufficient to compensate you or they may not offer pay what you for your injuries and damages until you file a lawsuit. Insurance companies are forcing people to litigate more car accident cases these days. Instead of caring about doing the right thing or honoring their agreement, many insurance companies are only concerned about reducing the amount of money they have to pay out of pocket. At the Pascoe Law Firm, our/ Houston car accident attorney takes pride in representing people from across Texas in all types of serious car accident cases and is ready to help you with your situation. Contact our office today for a free review of your case at 713-829-4317.