That depends on who caused the accident, and the type of insurance you have.
After an Austin car accident, the company insuring the at-fault driver usually must pay for repairs to the vehicle. If your vehicle was damaged, you can file a claim with the at-fault driver’s insurance company.
Texas is an at-fault state for auto insurance. If there is a car accident in Austin or elsewhere in Texas, drivers who are at fault must pay for the accidents they cause.
If another driver caused the accident, that driver’s insurance company usually must pay for damage to your vehicle.
If you have uninsured / underinsured coverage, this will pay for your automobile’s repairs if the at-fault driver does not have any (or enough) insurance.
Under Texas state law, insurance companies selling policies in the state must offer uninsured/underinsured motorist coverage. It’s also called UM/UIM.
If you caused the accident that damaged your own vehicle, your collision insurance will often cover the cost (although your insurance premiums may go up if you make a claim.)
If you don’t add UM/UIM coverage, collision coverage might pay for damage to your car. Collision coverage pays for damages to your vehicle, even if you caused the accident.
Texas state law requires drivers be insured for damage they cause to other drivers or their vehicles. But drivers registered in Texas do not necessarily have to have collision coverage.
Note that collision coverage in Texas usually has a higher deductible than UM / UIM.
Many accidents are not the result of only one person’s mistake.
For example, one driver might run a stop sign while the other driver was distracted by texting. More than one driver may be described as “partly at-fault.” Both were careless, and both are legally responsible, at least in part.
If you were partly at fault in an accident, some states prevent you from getting any money for their damages. The legal term for this comparative fault.
But under Texas personal injury law, you can still receive compensation if you are less than half responsible for the accident (less than 51% percent at fault.) This is a modified version of comparative fault.
Under Pure Comparative Fault, a person can recover compensation for an accident, even if the other person in the accident was only a little bit responsible.
For example, if you were 95% responsible, you could still recover 5% of your damages from the other person.
Modified Comparative Fault is different. This doctrine says you can only recover in an accident if your share of the fault is less than a certain amount (usually 50 or 51 percent). This is also known as 51-percent modified comparative fault.
Under Texas traffic and tort laws, if you are injured in an accident that was 50 percent or less your fault, you can still sue for payment. Only if you are 51 percent or more at fault in the accident can your claim be denied.
If you have been in a vehicular collision in the Austin area, you may want to speak to an Austin car accident attorney to protect your rights under Texas law.
Under Texas law, you may be able to receive more compensation for your damaged vehicle than the insurance company’s settlement offer.
An Austin auto collision attorney can help make sure you get all the money you deserve under Texas law.
Justinian & Associates is an Austin-based personal injury law firm with a staff of seasoned car collision lawyers and a record of success.
Call, email or text us for a free consultation with an experienced seasoned Austin auto accident attorney. We will listen patiently and explain your options under the law.