When a drunk driver causes a wreck, you could suffer catastrophic injuries or, even worse, a loved one could be killed. If you are in this situation, you need and deserve to be fully compensated for your losses. In order to do this, you may need to turn to more than the driver to pay for your medical treatments, replace your lost wages, and compensate you for your pain and suffering.
Look to These Sources of Compensation for Your Injuries Following a Drunk Driving Wreck in Euless, Texas
When you must file a claim for compensation for your injuries following a drunk driving wreck in Euless, it is important to understand that the insurance company is only legally required to pay you a maximum of the policy limits. Because of the catastrophic nature of many drunk driving collisions, one insurance policy may not be sufficient to compensate you for your losses. Here are possible sources of compensation that may help you:
Negligent Driver’s Insurance Company
In Texas, the drunk driver who caused your injuries is fully responsible for compensating you for your injuries. However, if he only has the minimum liability insurance coverage of $30,000 per victim and $60,000 per collision required under Texas law, this could be much less than you need to just pay your medical bills.
Your Health Insurance
If you have health insurance through your job, the Affordable Care Act, or another insurance company, your medical care could be covered under your health insurance policy. However, if you receive a settlement with the insurance company, you may be required to reimburse your health insurance provider.
Your Auto Insurance
Unless you waived it in writing, you are required to purchase personal injury protection (PIP) coverage as part of your auto insurance policy, which you can use to pay your medical expenses and lost wages up to the policy limit. You are also required to purchase uninsured and underinsured coverage to protect you if the drunk driver had no or insufficient insurance that may help. If you purchased other insurance coverages, such as collision or MedPay, these could pay for your vehicle repairs and medical bills even if you caused the wreck.
Dram Shop Liability
You may be able to hold the bar, tavern, restaurant, or other business who sold alcohol to the drunk driver responsible for compensating you for your injuries if the motorist was a minor or obviously intoxicated. A social host may also face liability for serving alcohol to a minor. These insurance companies may be another source of compensation for your injuries.
An experienced drunk driving attorney can help you identify all sources of compensation and negotiate your settlements so that you receive what you deserve. To discuss your situation and your legal options, contact us online or call our Colleyville office directly at 817.380.4888 to schedule a free consultation.
We help injured victims throughout Texas including Arlington, North Richland, Grapevine, Bedford, Hurst, Euless, Irving and all points in between.