What to Know About Dealing With Car Insurance After a Crash

After a car accident, the insurance process can feel confusing. You will likely deal with several people before your claim is resolved, including adjusters who evaluate damage and decide how much to pay. It helps to be aware of how this process works so you can anticipate delays and make informed choices about your next steps.

Minimum Coverage Requirements in Texas

Every driver in Texas must carry a minimum amount of liability insurance under Texas Transportation Code § 601.072. The current requirement is often called the “30/60/25” rule: $30,000 for injuries to one person, $60,000 for all injuries in a single accident, and $25,000 for property damage. These numbers set the minimum standard for coverage, but they may not fully compensate you after a serious crash.

Policy limits can affect what you receive when several people are injured or multiple vehicles are involved. If damages exceed the driver’s coverage, you might need to use your own uninsured or underinsured motorist policy to fill the gap. Being aware of how these limits work gives you a clearer sense of what your insurance may cover after an accident.

Dealing With Delayed or Denied Claims

Insurance companies sometimes delay or deny claims to limit their financial responsibility. They may argue that your injuries are unrelated to the crash or claim there is missing paperwork. Texas Insurance Code § 541.060 prohibits unfair settlement practices, including unnecessary delays or refusal to pay valid claims.

A denial can leave you uncertain about how to pay for repairs and medical bills. Collecting detailed records, such as photos and doctors’ notes, can make your position stronger when challenging an insurer’s decision. You can stay organized by focusing on the evidence that matters most, which helps improve your chances of fair payment.

When App-Based Driver Coverage Applies

Accidents involving rideshare or delivery drivers often create added challenges for drivers and passengers. Under Texas Insurance Code § 1954.052, different coverage applies based on the driver’s work status. The driver’s activity determines whether a personal or company policy will cover injuries or property damage.

If you were in a crash with an Uber, Lyft, or delivery vehicle, coverage depends on what the driver was doing at the time. These differences can delay claim resolutions and cause confusion about responsibility. By learning how company coverage applies, you gain a better understanding of your rights after a rideshare or delivery accident.

DeSoto Car Accident FAQ

Car accidents often raise questions about insurance and what to expect afterward. Below are answers to some of the most common questions DeSoto drivers ask after a crash so you can understand what steps may come next.

Do I need to report a minor crash to my insurance company?

Yes. Even a small accident should be reported quickly because most policies require notice before coverage applies.

Will my rates go up even if I was not at fault?

It depends on your insurer and policy terms. Some companies may still raise premiums after a claim, even when you are not at fault.

What if the other driver leaves the scene of the crash?

A hit-and-run should always be reported to the police right away. Your uninsured motorist coverage may help pay for vehicle damage or medical costs if the driver is never found.

Can MedPay and health insurance both cover my medical bills?

Yes. MedPay can cover initial costs such as ambulance rides, while health insurance may help once those limits are reached.

How do claims work when a commercial or delivery driver causes the accident?

Commercial drivers are typically covered under company insurance. These claims can involve multiple insurers, which may extend the time it takes to resolve payment.