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We've all heard the horror stories about insurance companies raising insurance premiums for customers who were not at-fault for simply filing a claim. The reality is that this is less likely due to filing a claim and more likely to occur because the insurance company has now deemed the customer to be a higher risk.

Insurance companies charge higher premiums to drivers who pose a high risk of liability versus drivers they consider to be low risk. They take multiple factors into consideration, such as your driving record, your age, the type of vehicle you are insuring, and how you use the vehicle. Essentially, the less likely the insurance company thinks you are to be in an accident, the lower your insurance premiums will be. Be mindful that not all insurance companies play by the same rules.

Don't be discouraged to file an Uninsured or Underinsured motorist claim!

If you were involved in a hit-and-run accident or by someone who didn't have insurance (or not enough insurance), you should absolutely file a claim on your own policy. Why? Because this is what you've paid your insurance premiums for. Uninsured/Underinsured Motorist coverage protects you from this type of loss so that you don't suffer the financial burden alone.

Many insurance companies will not raise rates on their insured after a no-fault claim has been filed while some might. If you find that your insurance rates have gone up significantly, you can try to negotiate a better rate with your current carrier or begin looking for a new insurance carrier. If it is in their best interest to raise rates, it is in your best interest to find an insurance carrier that suits your needs, too.

Did you know that insurance companies in Texas are required to offer Uninsured Motorist coverage and Personal Injury Protection? If they fail to offer these coverages to you and obtain your signed, written rejection of these coverages, then this coverage may be applicable to you.

Beware of purchasing a "full coverage" insurance policy. This term is meaningless and causes confusion for many people thinking their injuries would also be covered just to find out they had a minimum liability policy with collision and comprehensive coverage for their vehicle only. Uninsured/Underinsured motorist coverage is not required per Texas statute but is highly recommended in case you are seriously injured in a car wreck.

If you've been in an accident and are unsure what to do, consult with our law office today by calling 972-833-8000. Stanley and Associates has over 20 years of combined experience in accident injury law. We fight to protect our clients' rights, help them seek medical treatment, and win compensation for their injuries.

You may be hesitant to hire an attorney after you have been injured in a car accident or other accident injury for many reasons. Undoubtedly, you will ask yourself, “aren’t attorneys expensive?” Or “the insurance company will take care of me, right?”

We aim to help assure any doubts you may have so you can be confident and informed when making your decision. Let’s go over the top 5 reasons why it’s worth hiring a personal injury attorney.

1. Insurance Companies Do NOT Have Your Best Interests In Mind

They are only interested in protecting their bottom line. They have teams of attorneys looking for ways to minimize the amount of money they pay-out to badly injured victims. You should have an attorney fighting for you and your rights.

2. Injury Attorneys Help You Seek Medical Treatment

Many injured victims don’t realize how severely they were hurt without proper medical treatment and professional diagnosis. Not to mention, insurance companies will actively discourage treatment so they don't have to pay. We help find doctors so you can be seen ASAP instead of waiting weeks through your regular healthcare network.

3. Proving Your Case Is Complicated and Time Consuming

Our personal injury law firm has decades of experience handling scrupulous insurance companies and navigating the legal challenges an injury claim presents. You can count on our attorneys to fight for you while you recover and get back to your normal routine.

4. Injured Victims with Legal Representation Receive Larger Settlements

Why manage a case on your own when you can have a legal team do it for you? Insurance companies know that claimants are not trained negotiators. According to a report conducted by the Insurance Research Council, settlements were 40% higher when claimants were represented by a lawyer. Our attorneys know the tricks and strategies that will lead to the best resolution.

5. If You Don't Win, You Don't Pay

There is no cost to you up front - no legal fees of any kind. Seriously. You won't have to worry about "billable hours." Our attorneys will work your case on a contingency fee basis which means you pay nothing unless you win. There is no out-of-pocket cost to hire a personal injury attorney. Attorney fees are deducted from your settlement offer if a satisfactory outcome is achieved.

If you're unsure if you have a case, give us a call at 972-833-8000 for a free case review. There is no obligation to hire an attorney for your free consultation.

Our client was traveling through an intersection when a semi-truck ran a red light colliding with the driver's side of our client's vehicle. Injuries suffered by our client included a fractured rib, rotator cuff strain, multiple bruises and contusions to her body, post-traumatic headache, and sprains to the cervical, thoracic, and lumbar spine. We filed a lawsuit and were able to prove the defendant driver had meth in his system. Settled for $500,000.

Our client was slowing down due to another crash ahead. The semi-truck traveling behind our client's vehicle failed to control their speed and struck the rear-end of our clients vehicle causing neck and back injuries. Defendant tried to deny liability based on our client's prior history of neck and back injuries. A lawsuit was filed and we eventually received 10 times the initial offer as we approached trial. Awarded $350,000.
Our client was rear ended by a reckless driver who was driving under the influence causing injuries including multiple cervical herniations, left shoulder impingement, post-traumatic headaches and muscle spasms. They failed to stop and render aid to our client, nearly striking three other pedestrians on a nearby sidewalk. Our client attempted to self-treat, however, her pain continued to intensify and she contacted our office for assistance in seeking medical care. We fought and won policy limits of $250,000.

Our client was rear-ended by a driver who was speeding and changing lanes when unsafe. She suffered a deep laceration to her head, multiple contusions to her body, cervical, thoracic, and lumbar pain. Our client sustained a mild traumatic brain injury including nausea, anxiety, dizziness, and headaches. With our guidance, our client was able to receive essential medical treatment for her injuries and was awarded $150,000.

Memorial Day, the most somber of all holidays and the first holiday of the summer, is actually the most dangerous holiday to drive according to the NHTSA. Drivers may become frustrated with a surge in traffic due to an increase in summer travel, road construction, the heat, and subsequently will drive more aggressively.

Memorial Day has 76 more fatal crashes than the average four-day period and 21% more than the average holiday.

Traffic spikes, partying, and drunk driving all contribute to the rise in fatalities during this holiday. Car crashes are 4x more likely on Memorial Day weekend. 37% of fatal crashes involve a drunk driver and 52% of traffic deaths occur when someone isn't wearing a seat belt. 12 red lights are run through every second during the weekend.

Here are some helpful tips if you have to be on the road this weekend:

If you find yourself in an accident with a drunk driver this weekend, call our office at 972-833-8000. We can get you into treatment by the next day or sooner.

Policy limits establish the total amount of recovery available to you based on what the policy holder has through their insurance company. This is great for insurance companies but not so great if you have been seriously injured.

In Texas, motorists are required to have liability insurance with minimum limits of 30/60/25. This translates to up to $30,000 for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. Of course, some drivers may have higher limits and commercially insured vehicles usually have much higher limits.

Notice that it is "up to" a certain dollar amount.

Insurance companies are businesses and they want to limit payouts as much as possible. Car insurance companies are notorious for offering low-ball settlements regardless of your injury severity. You should consult with an experienced personal injury attorney if this happens to you.

There are many factors insurance companies consider in a car accident. The obvious one is how severe are the injuries?

A person who has significant trauma due to an accident, like a brain bleed or broken bones, may be awarded the full policy limits available to them. Whereas, a person who suffered minor, soft tissue injuries, like whiplash, may receive a minimal award.

Another factor is the potential for multiple claimants. Once there are more than two claimants involved, it is a race to settle first and the amount potentially available to you begins to diminish significantly. There is only so much of a pie to go around - it is possible for one person to take half before the other claimants get a piece.

We know what you're thinking - simply divide the total amount per accident by the number of claimants to determine how much each person gets - but that is not the rule.

Insurance claims in Texas operate on a first-come, first-served basis. Whichever claimant files and settles their claim first has the potential to receive the most money based on their injuries and medical bills.

What can I do to make sure my injuries and medical expenses are taken care of?

One of the best things responsible drivers can do for themselves before they're in a car wreck is to ensure they have the right coverages on their own car insurance policy. Our attorneys recommend that you purchase as much insurance as you can, specifically, Personal Injury Protection (PIP) and Uninsured/Under Insured Motorist Coverage (UM/UIM).

If you are hit by an at-fault driver, you should contact a car accident attorney as soon as possible. An experienced law firm will assess the situation, determine your best course of action, and begin building a winning legal strategy.

Stanley & Associates offers free consultations to all prospective clients. There's truly no cost and no obligation - we want you to know your rights and options. Schedule your free consultation today. Call 844-227-9739

In short: liability insurance shields you from being personally liable to pay for damages you caused during an accident.

Texas law requires that all motorists have minimum liability policy limits of 30/60/25. This translates to $30,000 for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. Of course, you can purchase a higher liability policy if you desire.

Read more about policy limits and how they affect you.

Who does this coverage benefit?

Liability Insurance helps protect you and your assets from claims or potential lawsuits if you are found to be at-fault for an accident that caused bodily injury or property damage.

If you cause an accident, your passengers and drivers of other vehicles and their passengers can pursue a claim with your insurance company. The insurance company will pay for the medical expenses of the injured party(s) and repair bills for the damaged property. If a lawsuit is filed against you for the accident, your insurance company will provide a lawyer to defend you in litigation.

If you do not have liability insurance, you could be personally liable for the damages you caused to another in addition to fines and legal ramifications imposed by Texas law.

What does liability insurance NOT cover?

Here are a few things liability insurance does not cover if you are in an accident:

  1. Your personal injuries. Whether you are or are not at-fault, your liability policy does not cover your own injuries. You will need additional coverages, such as Personal Injury Protection (PIP), or Uninsured or Under Insured Motorist (UM/UIM).
  2. Your property damage. Liability only covers damage you caused to OTHER people's property, not your own. Without collision coverage, you could be stuck with repair costs to your own vehicle or paying out of pocket for a rental without rental assistance.
  3. Costs that exceed the liability limits of the policy holder. Once the policy limits have been exhausted, or paid out in full, there is nothing more the insurance company will consider.
  4. Intentional or deliberate acts to cause damage or harm to another. Insurance covers only accidental damage or injury.
  5. Defense of criminal charges. Insurance does not provide defense attorneys for drivers that are facing criminal charges, such as vehicular manslaughter or aggravated assault with a motor vehicle.

This list does not include every scenario or circumstance.

When you drive as much as Texans, it is critical to have the right insurance coverage.

Many drivers often choose a liability-only policy because they believe additional coverage is too expensive or that additional coverages are unnecessary. Even worse, many drivers do not have insurance at all. With 1 in 5 Texas drivers being uninsured or under insured, you may want to consider the risk and rising costs of medical expenses when reviewing your insurance policy.

It is worthwhile to search for a reputable insurance company that offers additional coverages, such as Personal Injury Protection or Uninsured Motorist, at a low cost. If you already have insurance, ask your insurance agent if there are any deals for adding additional coverage to your existing policy.

When should you hire a personal injury attorney?

Immediately after an accident in which you were injured.

If you are not at-fault and are filing against someone else, you may face resistance or outright denial of your claim - even with a police report or witnesses on your side. Keep in mind, insurance companies are a business and their goal is to minimize the amount they have to pay on insurance claims whether you are their insured or a claimant.

Does your insurance adjuster always seem to be on vacation? Do they underestimate how much pain and suffering you've been through but won't allow you to see a doctor? Is the insurance company making a low-ball offer for your injuries? If this sounds familiar to you, consult with an attorney as soon as possible.

Stanley & Associates understands how frustrating dealing with an insurance company can be. We aim to get the best possible award for your case. Call us today at 844-227-9739.

In Texas, it can be difficult to get around without a vehicle of your own and sometimes you have to rely on others to make sure you get from point A to point B. That can mean using a taxi service, like Uber or Lyft, or sharing a ride with a friend or co-worker. Unfortunately, you can still find yourself in an accident caused by your driver.

What can I do as a passenger in an accident?

It's important that passengers take the right steps after an accident to protect their potential claim. It may seem awkward to request insurance information if the at-fault driver is a friend, co-worker, or relative. However, that is exactly what liability insurance is for.

Never tell an insurance company that you were not injured

You may seem fine at first, but car wrecks often leave behind latent injuries that can take days, weeks, and in some cases, months to fully manifest. In fact, do not discuss your injuries with the insurance company at all.

Insurance companies are skilled in asking questions that have hidden legal implications in order to minimize your pain and suffering. Even everyday questions, such as "How are you?", can be used against you.

You should refrain from discussing your injuries until you have completed any treatment plans outlined by your doctor. It is best to consult with a personal injury attorney who can handle these conversations on your behalf and file a lawsuit to protect your rights.

Why would I file a claim on my own insurance if I was the passenger in someone else's car?

You may have additional coverage on your own auto insurance policy, such as Personal Injury Protection (PIP) or Uninsured and Under Insured Motorist (UM/UIM), which can be critical if the at-fault driver does not have insurance or does not have enough insurance to cover your injuries.

Know when to hire an attorney

Car accidents can be very disruptive to your everyday routine. Personal injury attorneys know the ins and outs of the entire process and can develop the best legal strategy for you to win your case.

Stanley and Associates is there for you through the entire process.

When you're already in pain, the last thing you want to deal with is phone calls, paperwork, and arguing with insurance companies. Our team will file all claims for you, handle all communications with the insurance companies, and we work with many physicians to ensure you get the treatment you need.

Best of all, you don't pay us a single dime until we win your case. If we don't win, you don't pay! If you're ready to make a decision, contact us as soon as possible. We are available 24/7 via email or phone call. Call 844-CAR-WREX today!

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Note: An attorney-client relationship is not formed when calling the number on this site or filling out a form. By submitting your information, you are not entering into a contract with Stanley & Associates, or its attorneys, nor does the firm promise to accept  your case or guarantee any results as it pertains to the outcome of your case.
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