Dealing with the Insurance Company

If you’ve been injured in an automobile collision you should of course first seek treatment for your injuries. But the next thing you should do is to contact an experienced personal injury law firm. You have rights and responsibilities following a collision, and it is important to have those matters explained to you as soon as possible – before you say or do the wrong thing.

If you’ve been involved in a minor car accident – with no injuries – you probably don’t need a lawyer. Our Texas Non-Injury Accident Kit answers your questions and tells you what you need to do to make sure you’re treated fairly. This kit is too large to be included online. To obtain a free copy, please call us or use our Guestbook request form.

For free advice and helpful information after a motor vehicle accident, call us now.

Automobile Insurance Limits

Automobile Insurance Limits

You might think million-dollar insurance settlements and jury verdicts are common. They are not.

Your odds of being on either end (payer or payee) of a million-dollar suit are less than your odds of winning the big prize in the Texas Lottery. These long odds are not good for lottery players. However, they are good for injury claims.

You do not want to sue or be sued for a million-dollar injury. Claims of this size generally are reserved for those who suffer catastrophic injuries. Money never can adequately compensate for these losses.

But while million-dollar injuries are rare, claims that exceed minimum levels of insurance coverage are somewhat more common.

A million dollars in liability insurance coverage may be unnecessarily high for most people, but it appears that most Texans are seriously underinsured.

Most automobile owners who have insurance carry only the minimum levels of coverage required by state law. The majority of homeowners and renters are no better protected.

These coverages are inadequate for most people.The effect of insufficient insurance protection can be devastating. Because marginally higher coverage is so affordable, it is unwise to run even the modest risk associated with having only a minimum amount.

We recommend at least these levels of insurance coverage for all automobile owners:

Personal Injury Liability – $100,000 per person / $300,000 per accident
Property Damage Liability – $50,000
Personal Injury Protection – $10,000
Uninsured Motorist – $100,000 per person / $300,000 per accident
Underinsured Motorist – $100,000 per person / $300,000 per accident

Homeowners and renters should have liability protection of at least $100,000 per person / $300,000 per accident.

Auto Accident Checklist


1. Stop immediately, but do not block traffic. Warn oncoming automobiles. Telephone the police.

2. Assist anyone who may be injured:

a. Call for an ambulance or arrange for other transportation to a
hospital or doctor if needed.

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p style=”text-align: justify;”>b. Tell the investigating officer about the injuries.

c. Cooperate fully with the doctor and medical staff.

3. Unless your vehicle is creating the potential for another accident, do not move it or the accident debris until you are instructed to do so by the investigating police officer.

4. Do not discuss the accident with anyone other than the investigating police officer, your doctors, your own insurance representatives and your lawyer.

5. Make written notes of any statements made by the driver or occupants of the other vehicle as to how the accident occurred.

6. Get the name, address and phone numbers of the driver of the other vehicle. Copy the driver’s license number of that driver. Write down the license plate numbers of each vehicle involved. Exchange automobile insurance information with the other driver.

7. Get the names, addresses and telephone numbers of any witnesses.

8. If you believe the driver of the other vehicle may have been under the influence of drugs or alcohol, tell this to the investigating police officer.


9. Contact a law firm with experience in handling personal injury cases. At Kraft & Associates, we will be glad to give you free advice and helpful information, with no obligation.

10. Telephone your insurance agent.

11. Take photographs of the damage to your vehicle and of any injuries to yourself and others in your vehicle.

12. See your doctor if there is any chance you may have been injured. Serious injuries do not always cause immediate pain.

Keep calm, don’t argue, don’t accuse anyone and don’t admit fault.

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