What happens if I get sued for a car wreck?

Note: My office was recently contacted by a young college student who was served by a lawsuit for a car wreck she was in over a year ago. We were able to help by pointing her to her own insurance company. However, in searching the web, it was hard to find resources that provided this information – thus a blog was born! What happens if I get sued for a car wreck? First, let’s make sure we are on the same page. Being sued = a lawsuit was filed in a court of law and you were mailed a copy of the lawsuit or hand-delivered a copy of the lawsuit.  As compared to having a person file a claim on your own automobile insurance policy.  This blog is going to provide some tips and pointers if you find yourself holding a copy of lawsuit with your name on it in the state of Texas. Ok so don’t panic – too much.  Receiving a lawsuit with your name in it is not fun and can be down right scary but you aren’t stuck and you have options! Quick lingo: Plaintiff = person who filed the lawsuit and is requesting a legal remedy Defendant = person being sued Petition = fancy lawyer word for the lawsuit Rules for Texas lawsuits that may help: A lawsuit can be filed up to two (2) years after the date of the crash. For Example: Crash is on 11/6/18 – the lawsuit can be filed until 11/6/20. NOT 11/7/20. Once you have received a copy of a lawsuit, you have twenty (20) days to file...

Property Damage 101

Whether you got a scratch or wheels are knocked off, you will have to deal with a property damage claim in the event you are in a car wreck, motorcycle collision or bicycle crash. The property damage claim is separate from any claim you have for injuries, medical bills and lost wages. A property damage claim is typically the first claim started after you have been in a collision of any kind. When you are starting a property damage claim the insurance companies will try to gather information about your injuries. This may appear to be in your best interest to answer all the questions you are asked when you call into an insurance company. However, due to the wide range of injuries that can occur in a collision, you injuries may not appear immediately or may become worse with time. Generally, all calls to insurance companies are recorded and statements made about your injuries in the first call set the tone for your bodily injury claim and can be used later to deny or de-value your claim for injuries, medical bills, lost wages and pain and suffering. Therefore, be aware of the questions about your bodily injuries and be sure to stick to the questions about the property damage. Whose insurance covers my property damage? A claim for property damage can be processed through your own auto insurance policy, if you have purchased the proper insurance coverage, or can be processed through the at-fault party’s insurance policy. If you choose your auto insurance policy, a deductible may be applicable. The deductible is recoverable from the at-fault party’s insurance...