Property Damage Issues in Car Accidents
A car is essential to get around Dallas-Fort Worth and the surrounding areas. Even minor accident damage requires time and money to make repairs. Not having access to a vehicle for any length of time can make day-to-day activities, including work, school, grocery shopping and doctors’ appointments, impossible. For some, the lack of transportation could jeopardize their job, health or education.
Bill Berenson has dedicated his almost 40-year career exclusively to auto accident injury recovery. Where there are injuries there is usually also substantial vehicular damage. Berenson Injury Law also assists with property damage claims as part of his personal injury representation.
We understand the frustration of auto damage and help you to minimize the impact on your life. Our lawyer may negotiate payment for a rental car while you have yours repaired or await your settlement award to buy a new vehicle. We also pursue the maximum possible compensation for your damaged or totaled vehicle. Our goal is to put you in the position you would have been in had your accident never have occurred.Property Damage Auto Insurance in Texas
Under Texas law, you are responsible for paying for any accident you cause. Texas also requires you to carry at least the minimum auto liability insurance to pay for medical expenses and property damage of others if you are at fault for the crash.
The basic insurance is referred to as 30/60/25 coverage because at a minimum you must carry a policy with limits of $30,000 for each person injured in a crash, $60,000 for all people injured in a crash, and $25,000 for property damaged. Liability property insurance pays for repair or replacement of the other driver’s vehicle.
These limits are low, especially considering today’s escalating automobile prices and repair costs. However, drivers may opt to purchase higher limits at a slightly higher premium. The minimum liability level is likely not adequate to cover drivers in a multivehicle accident or who own a more expensive automobile model.
You may also purchase collision coverage to pay for damage to your own car. In fact, if you have a leased vehicle or a balance due on an auto loan, you likely are required to carry collision under the terms of your agreement. Collision coverage pays for repairs or the actual cash value if the insurance company totals your car. Your lender or lessor may also require you to have comprehensive coverage that pays for a wider range of damage to your vehicle, including accident, vandalism, hail, flying objects, fire or theft.
Another helpful type of coverage is uninsured/underinsured motorists insurance (UM/ UIM), which pays for your property damage if you are hit by a driver with no or inadequate insurance to fully cover the damages. UM/UIM also compensates you in case of a hit-and-run crash.Recovering Compensation for Your Damaged Vehicle
Our auto accident attorney negotiates for the maximum amount of damages possible for personal injury and vehicular damage. Insurance companies are notorious for providing unreasonable appraisals, suggesting use of substandard parts and factoring in lower than normal mechanics labor costs. We respond by providing our own proof that your vehicle is worth more than appraised and requires more expensive repairs.
We also consider resale market in our damages negotiations to account for devaluation of the vehicle as a result of the car crash. Should all insurance policies be inadequate to fully cover your damages, our attorney may also pursue the at-fault driver in a lawsuit. Furthermore, we demand compensation for deductibles that you would otherwise have to pay out of pocket.Recover the Maximum Possible Property Damages After a Dallas-Fort Worth Auto Accident
In addition to your personal injuries, you likely also incurred substantial vehicular damages. Berenson Injury Law pursues recovery of the maximum possible property damages in conjunction with your personal injury claim. Discuss your case in detail at a free consultation in our Dallas-Fort Worth law office.