Liability Denied Because the At-Fault Driver Is Not Listed on the Insurance Policy

Being a personal injury attorney in the Dallas-Fort Worth area, I have managed a number of various truck, motorcycle, and car wrecks. Throughout the years I have come to know that car insurance adjusters will come up with any reason in order to not pay a fair and just compensation to the victims of car accidents who have suffered injuries.

An example of this is the event when the representatives from insurance companies reject a claim because the driver responsible for the accident was not listed on the insurance policy. Here, we will focus on who is at-fault when an insurance company rejects liability and how to obtain your deserved compensation.

The Responsibility from the Owner of the Vehicle

In the State of Texas, it is possible to receive compensation from the insurance policy of the owner of the vehicle that caused the accident, even if the driver was not listed on their insurance policy.

If the owner of the vehicle that caused the accident gave permission to the at-fault driver, then they are immediately covered by their insurance policy, but due to the fact that personal injury cases can be expensive, insurance adjusters might be instructed to say that permission was not given to the person driving to actually drive. In these types of cases, consulting with a Fort Worth personal injury attorney can assist you in advancing your case by using their knowledge and experience.

Vehicle Owner’s Consent

Sometimes we find that the owners who claim that they allowed the driver to drive where sitting in the passenger seat during the time of the wreck! This obviously tells us that the owner did in fact give them permission to drive.

Regardless of whether or not quick permission was given for the driver by the owner for any reason, it can be possible to receive compensation from the owner’s insurance company if the driver has a record of using their car and that the owner frequently permits or does not resist from them operating their vehicle.

Go After the Insurance Company of the Driver

Another option in the event that the insurance company of the owner is rejecting liability is to submit a claim against the at-fault driver’s own insurance policy. If they have car insurance (which in Texas they legally should) then you can submit a claim against the at-fault driver’s insurance . In certain cases, it might even be necessary to submit a claim against the car owner’s and the driver’s insurance policies separately. This may be common in situations where the value of the damaged property goes beyond the limits of one of the insurance company’s liability.

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