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Car Accident Claim Prevails In Front Of Two Jury Trials Against Allstate

In a recent set of car accident claims, the victims have won their settlements in Texas courts against a top insurance provider.  Allstate insurance battled both claims, attempting to relieve themselves of partial responsibility and liability of the accident in hopes of dodging the payout of justified compensation for the wrongdoings of the driver they contractually insured.

Columbus Car Accident

In the first claim, which occurred in the 133rd District Court, the victims were going on Interstate 80 close to Columbus, Texas, as stated by court documents. Another driver had rear-ended the husband and wife, and the impact made their vehicle to hit the center median and wind up in a ditch. The in-the-wrong driver was covered, but their liability limits were insufficient to reimburse for the damages, as indicated by court documents. After the accident, the victims made claims on their own Allstate Underinsured Motorist contract to take care of injuries and losses incurred in an accident where the liable parties are underinsured. Unfortunately,3 Allstate unfairly declined to explore the claims and go into a reasonable settlement. The jury granted the wife $50,868.50 and the husband $37,960. personal injury claim

Baytown Car Accident

In the second trial, which occurred in the 80th District Court, court documents explain that the victims were rear-ended on Highway 146 in Baytown, Texas. Allstate proposed a settlement of around $5,000. As stated by court documents, the other driver was cited as turning sharply in front of the victim’s vehicle. The jury found that the in-the-wrong driver was reckless for not keeping an appropriate speed and maintaining safety within their respected lane.

Texas Car Insurance Rules

These victories were based on proper following of the Texas car insurance rules. Car insurance will participate in about any type of claim after a car accident whether a person is making a claim under his or her own policy or with the other driver’s carrier. The second is called a third party insurance claim. A third-party car accident claim is a claim made by an injured party with an insurance company other than their own. Third-party claims are one of the most frequent kinds of car insurance claims made. The following are a summary of Texas car insurance rules:

  • Texas is a “fault” car insurance state, implying that an individual can file a liability insurance claim or personal injury lawsuit against the other driver after a car accident. About twelve states adhere to a no-fault system, except for Texas.

  • The minimum car insurance coverage standards for Texas drivers are: $30,000 for physical injury per individual, $60,000 for physical injury per accident if at least two people are hurt, and $25,000 for property damage per accident.

  • Texas does not expect drivers to carry uninsured or underinsured motorist coverage, even though car insurance companies must provide that type of coverage in Texas. If a person has an accident with an uninsured vehicle or driver, uninsured motorist coverage will compensate for his or her injuries.