What Happens If My Medical Bills Exceed the Liability Policy Limits?

In Texas, all drivers must maintain minimum automobile liability coverage, known as “30/60/25 policies.” These minimum liability policies provide $30,000.00 of coverage for an injured third party’s bodily injuries but only $60,000.00 of coverage for all potential victims’ injuries.

While some drivers—mainly affluent drivers—voluntarily increase their liability policy limits, most Rio Grande Valley motorists only carry minimum liability policies. Depending on the circumstances and the severity of the collision, a crash victim’s bodily injury damages can easily exceed the $30,000.00 limit, especially if the victim receives imaging at a hospital. Since suing the at-fault driver is usually inadvisable, the victim’s only hope to recover more than the liability policy limits is to pursue a UM/UIM or PIP claim. If the victim does not have UM/UIM or PIP coverage, the victim’s recovery is essentially limited to the policy limits, regardless of the victim’s damages or injuries. If the at-fault driver is uninsured, the outcome would be worse—the victim would have a good case with no viable means of recovery.

If a negligent driver has injured you or a loved one, you have enough things to worry about. Do not let dealing with the insurance company be one of them. We deal with the insurance company so you can focus on getting your life back to normal. You have one chance to do this; make the right choice by choosing the right attorney. Call us at (956) 291-7870 or email us at contact@rdjlawyer.com for a free consultation and case evaluation.