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When people think of car accidents, they think of one driver crashing their car against another driver. The typical process in this scenario would be to exchange basic information, such as insurance policy numbers and a copy of their driver's license, followed by a claim made by the driver hit against the at-fault driver's insurance company. However, it is possible for complex accidents to occur, in which case multiple parties could be held responsible. Now, the question would be, "is it possible to make an insurance claim against more than one policy"?
The fast question is yes. If someone was injured in a car wreck in Texas, they know that they can file a claim towards insurance company of the person who caused the accident. However, depending on how the accident occurred and the situation surrounding the car accident, it is possible for there to be more than one insurance policy to make a claim against. Remember, it IS POSSIBLE to file a claim against multiple insurance policies.
When Can I File a Claim Against Multiple Policies?
Here at the Anderson Law Firm, our Board Certified personal injury attorneys have performed claims against more than one insurance policy in the following situations:
- A person was hurt at their work by someone that was not their employer or coworker. For instance, you a person was bringing in shopping cars at a grocery store's parking lot and a negligent driver hit them, that person would file a claim against both their worker's compensation benefits alongside the driver who hit them. Also, if that person has PIP (personal injury protection), they could also file a claim within that.
- If a person has been injured in a car wreck that was the fault of someone else, but they don't have car insurance (or they do not have sufficient insurance in order to completely pay for all of their injuries and property damages), they could file a claim against the person at-fault in addition to their underinsured motorist coverage. Many people have this type of insurance coverage, yet they are not aware of it.
- If someone is a passenger and they are injured in an automobile wreck, that person could make a personal injury claim towards the person that caused the car wreck and, taking into consideration that the driver of the car you were in and you have personal injury protection, you can file a claim against this as well.
Having to deal with different insurance policies can be a complicated and confusing task. However, it is very important for the victim of a car accident to figure out all of the policy plans available to them, especially if there are serious injuries and big damages involved. In car wreck cases occurring in Texas, there is a very likely chance for there to be more insurance coverage available than the typical person knows about.