It is imperative that you consult  when:

• There are extenuating circumstances that make your claim more valuable and you don’t know how to prove your loss (for example, you’re a caregiver and can no longer take care of your husband or sick mother).

• The insurance company has denied your claim, you believe they are incorrect in their denial, and they will not reconsider.
  
• You are seriously injured with significant medical bills with or without residual disability.

• You are moderately injured with residual disability and will incur future medical bills.
  
• The injured party is a minor with more than slight injuries.
  
• Liability is being disputed and you believe you are not responsible or are only partially responsible for the accident.

• It’s been almost a year since your accident, you’re not close to settling your claim, and you don’t know what the statute of limitations is in your state.
  
• The circumstances surrounding the accident are complex and may require expert investigation.
  

• The other party to the accident has served you with a lawsuit.

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Some people think of it in terms of "us versus them." Some of us have lives and property worth protecting and believe that there are people who have nothing, will never amount to anything and will take advantage of us anytime they can. Those of us who care purchase insurance for what we have to protect and keep it.

In our modern society, the orderly transfer of risk between the members of our society is accomplished through insurance. In exchange for a known loss (payment of an insurance premium), the risk of a large catastrophic loss (payment of thousands of dollars for damage to property) is transferred to the insurance company through the insurance policy.

In auto insurance, there is first party coverage and third party coverage. First party coverage covers you and your property (such as medical expenses, damage to your vehicle and the insurance company's duty to defend you in the event that you are sued as the result of your operation of a vehicle, etc.). Third party coverage is for your responsibility to pay for injury caused to other people, whether in your vehicle, or another vehicle involved in the accident. The coverage (and its exclusions) is set forth in your insurance policy. In exchange for the payment of a premium, the insurance company promises to provide compensation in the event of certain occurrences. You can speak to an insurance representative to find our more about the options available to you, and their costs.

 Before purchasing auto insurance, it is a good idea to shop around and buy the coverage that best suits your needs at the most reasonable price. You may wish to consider factors such as customer service, claims paying ability, claims payment record, general reputation and independent rating organization's ranking.

Damages are generally defined as the amount of money that is awarded to compensate someone who has been harmed by another’s wrongdoing or negligence. Whether you are negotiating your car accident case with an insurance company or fighting it out in court, it all comes down to damages. How much are you owed (or do you have to pay?) as a result of the accident?

There are two broad categories of damages available: Economic and Non-Economic. Damages for pain and suffering fall into the non-economic category and are often the most controversial part of any auto accident recovery, partly because they are not easily defined or quantified, and partly because they can make up a very substantial part of any plaintiff’s overall damage claim. Following is a break-down of the types of harm covered under economic and non-economic damages:

In auto accident cases, economic damages are defined very generally as money damages intended to compensate an injured party for actual economic loss. (Texas Civil Practice & Remedies Code, Chapter 41: Damages, Section 41.001(4))

Non-economic damages may include (Texas Civil Practice & Remedies Code, Chapter 41: Damages, Section 41.001(12)):

• Physical pain and suffering
• Mental or emotional pain or anguish
• Disfigurement • Physical impairment
• Loss of companionship and society
• Inconvenience
• Loss of enjoyment of life
• Injury to reputation
• Loss of consortium (loss of spousal companionship and services)

Texas generally operates under a “tort liability system” that governs how pain and suffering claims are to be litigated. In short, the tort liability system allows the jury to decide, exclusively, the amount of damages to which the plaintiff is entitled. There are no restrictions on who can or cannot sue for personal injury damages. The jury looks at the amount of money the plaintiff is requesting for each item of harm and decides if that amount is reasonable. To see how juries go about this task, see How do insurance companies and juries assign values to pain and suffering?

Texas law also requires auto insurers to offer Personal Injury Protection (PIP) coverage to all drivers. PIP will cover your medical expenses, most of your lost income (currently 80%), and the cost of hiring a caregiver. The minimum coverage is currently $2,500, but you can purchase more. If you don’t want PIP, you will have to reject it in writing.