Insurance Claim Rejected Because At-Fault Driver Was Not Listed on the Insurance Policy

Being a personal injury lawyer in Dallas-Fort Worth has allowed me to manage a large quantity of car, truck, and motorcycle wrecks. As time goes by, I have discovered that car insurance adjusters try to create many types of reasons to avoid giving accident victims fair compensation.

For example, it has occurred that insurance adjusters reject claims due to the fact that the at-fault driver was not on the insurance policy. The goal of this article is to address this issue and how you can get your deserved compensation.

The Car Owner’s Duty

In the State of Texas, a car accident victim can receive compensation from the car owner’s insurance plan regardless whether or not the person driving during the wreck was not listed on the insurance policy.

If the policy owner allowed the driver to drive their car, then the driver is covered under the car owner’s insurance plan. Due to the fact that personal injury cases cost a lot of money, the insurance company might tell their client to say that permission wasn’t given to the person driving the car. In this case, contacting a Fort Worth personal injury attorney can assist in advancing your case by using their legal knowledge and evidence.

The Car Owner’s Permission

Usually when the owner of the car rejects giving permission to someone else to drive their vehicle, we learn that in reality the owner was in the car as a passenger during the time of the wreck! This obviously means that the owner gave the driver permission to drive their car.

Compensation can still be recovered through the owner’s car insurance if clear permission was not given by the vehicle owner for the driver to drive their car if the driver has a record of using their car, in addition to the car owner repeatedly giving the driver permission to drive it.

Go Against the Driver’s Insurance Policy

The alternative option would be to pursue the own driver’s insurance policy. If the driver had car insurance (which they legally should), then a claim can be made against their own insurance policy instead of pursuing the vehicle owner’s insurance. In some cases, making a claim against both the vehicle owner and the driver might be necessary. This tends to happen in the event that the amount of damages goes beyond the liability limits of only one of their insurance policies.

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