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FAQ: Whose Insurance Company Pays for Damages?

FAQ: Whose Insurance Company Pays for Damages?

The process of filing a claim following a car accident can be complex, especially when negligence is involved. There are some factors that people may not even be aware of, and there are plenty of questions they may have so they know what to expect next.

One of the most common questions that we receive is from people wondering, whose insurance company will be responsible for paying out damages following the crash? The answer is dependent on the circumstances involved.

Most Car Accident Cases Involving Negligence Goes Through the Liable Party’s Insurance

In a car accident where one party is considered at fault, it is that party’s insurance company who is responsible for paying damages to the victim(s). When these claims don’t go to court, it’s the policy limits that often dictate how much those who suffered injuries can receive.

When a case goes beyond the settlement—such as when significant injuries and property damage occurs—the plaintiff may seek additional damages in excess of the policy limits. These types of situations can complicate matters greatly, and it’s imperative to have legal counsel.

What If the Responsible Driver Doesn’t Have Insurance?

Unfortunately, there are countless individuals who don’t carry the required amount of insurance coverage. When they cause an accident and subsequent injury, it can leave the injured party with a number of concerns regarding how they can pursue compensation.

If you have uninsured motorist coverage, your claim will go through your own insurance company, even if the other driver was at fault. Some insurance companies, though, may not be as willing to pay out if they’re focused more on their own profits.

Whenever this happens and you’re left trying to deal with the aftermath of a car accident, our team at the Daspit Law Firm is here to help protect your rights every step of the way. We work to prevent you from having to endure the difficulties associated with filing a claim.

With our Houston car accident attorneys, you can be sure that your best interests will be at the top of our priority list.

Call our firm today at (888) 273-1045 to speak with a lawyer.