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How Does Liability Insurance Work in Texas?

Liability insurance is a kind of coverage that prevents the owner from paying for damages or injuries to other people or property. It covers payouts or legal costs that an injured party tries to claim, meaning that the owner does not have to pay out of their own pocket for any issues that have occurred. 

This is different from most types of insurance, which pay money to the person who has the policy. Instead, if a claim is made on liability insurance the money is given to the injured party, not the owner. If you have been involved in a car crash, it’s a good idea to speak to an attorney to discover whether the driver’s policy covers their accident.

If you want to understand more about how liability insurance works in Texas, you can call a vehicle wreck law firm in Houston, TX for personalized information on how it could impact you and your vehicle.

What Does Liability Insurance Cover?

All drivers in Texas need some kind of liability insurance. This is in case a driver gets into an accident and damages another person’s property or life. It ensures they can pay the amount of compensation needed, as the insurance company provides the money. If you have been injured in a car wreck, talking to a law firm can help you discover what the guilty party’s liability insurance covers.

Although every liability insurance policy is slightly different, there are basic rules that the vast majority follow. The driver is usually insured for:

  1. Accidents occurring in Canada or states other than Texas
  2. The fees of an attorney if you’re sued because of an accident
  3. Accidents that happen while driving a rental car
  4. Damage that occurs because of hail, fire, hitting an animal, theft, flying gravel, or flood
  5. Payouts to another driver if you were both involved in an accident that was your fault

If you have been injured by another driver, number five shows that you are usually entitled to a payout by the company providing the insurance. A lawyer can help you to understand the specifics.

Damages Not Covered Under Liability Insurance

Certain types of damage are usually not included in the insurance policy, such as:

  1. Intentional Damage
  2. Accidents that happen when you’re driving for a fee, e.g. delivering food
  3. Equipment not installed in your car permanently
  4. Accidents that happen when you’re driving a car that doesn’t belong to you and isn’t a rental
  5. Car wrecks that occur if you’re racing

If you have been hurt by someone carrying out one of these activities — for example, a food delivery driver — an attorney can help advise you on whether you should still try to get a payout.

Call a Winning Car Accident Lawyers in Houston

If you want more information on liability insurance and what it means to you if you’ve been involved in a car wreck, it’s a good idea to give an experienced truck wreck injury attorney in Houston a call. The Stephens Law Firm is here to help you understand the best options for you and your vehicle as well as discuss how to claim a payout. Get in touch with us today!

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