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Pursuing Compensation Beyond the At-Fault Driver's Insurance in Midland Texas

The oil industry continues to bring traffic to the Texas corridor of Interstate 20 passing through Midland. Unfortunately, this ongoing accumulation adds to the frequency of motor vehicle accidents in an area that already sees a high concentration of them.

Although an at-fault driver’s insurance ideally compensates you, there are several scenarios where this policy may fall short of your needs. In any case, the Midland accident attorneys at Carabin Shaw are here to support you if you’re recovering from injuries caused by another driver’s negligence.

Understanding Auto Insurance Policy Limits

In Texas, at-fault drivers must be able to pay for the accidents that they cause. For drivers who purchase insurance to cover potential damages, Texas also mandates certain auto policy requirements.

Basic Texas Auto Insurance Requirements

Every auto policy must include liability coverage, which pays for another driver’s car repairs and medical bills if the policyholder is at fault. The “30/60/25” coverage in Texas refers to the legal minimum amounts for liability:

  • $30,000 for injuries per person
  • $60,000 in total for all injuries per accident
  • $25,000 for property damage

However, if you’re pursuing compensation in Midland, TX, for severe auto accident injuries, you know that $60,000 is often far from enough.

Uninsured and Underinsured Motorist (UM/UIM) Coverage in Texas

When an at-fault driver’s insurance can’t cover your costs (or the driver lacks insurance altogether), you might be able to file a claim with your own auto policy. However, Texas law doesn’t require self-coverage for uninsured or underinsured motorists (UM/UIM), so many drivers opt out.

Whether UM/UIM coverage applies to your case or not, your lawyer can explain all possible legal options for accident victims in Midland.

Collecting Damages Beyond Policy Limits in Texas

According to some estimates, the average comprehensive cost of a disabling motor vehicle accident is over one million dollars. If your damages exceed the limits of an at-fault driver’s insurance policy, your attorney can help you seek the additional compensation you deserve.

Suing the At-Fault Driver Personally

Our team at Carabin Shaw investigates the possibility of recovering damages exceeding insurance limits directly from the driver. However, even if you have a strong case, many defendants lack assets. Thus, this strategy is often less effective than others.

Recovering Damages from Additional Liable Parties

Several parties might share accountability for your injuries. For example, you could pursue multiple Midland personal injury claims in the following scenarios:

  • The at-fault driver caused the accident while on the job, making the employer responsible through vicarious liability.
  • A government entity didn’t address an unsafe road condition that contributed to your accident.
  • An auto part or product failed to work as intended, so the manufacturer is liable.
  • Your medical team was negligent while you were receiving care for your injuries.

Your legal team will determine which options are available to you.

Other Scenarios Awarding Damages Beyond Policy Limits

Experienced lawyers can outline Midland accident victim rights for all possible circumstances, including rare cases.

For instance, your legal team may prove that your insurance company is failing to meet its contractual obligations to you. If the company is indeed acting in bad faith, you might even recover damages beyond the original claim.

Your Best Legal Guidance at Carabin Shaw | Free Case Review

Fighting for fair compensation can become its own burden, especially when an accident results in costly, life-changing injuries. Carabin Shaw’s client reviews illustrate the many ways we lighten your load, starting with a completely free initial consultation and case review.

To take the first steps toward a legal strategy that’s curated for you, call us toll-free at 800-862-1260. Our team is available 24/7 and ready to support you in English or Spanish.

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Visits with the Attorney are by appointment only. Main office San Antonio, Texas.

Client Reviews
We are very glad we called Carabin Shaw after our accident. We now recommend them to everyone. - Griselda S.
You want Carabin Shaw on your side after an accident. They were excellent. - Valerie S.
In our opinion, no one is better, Carabin Shaw is the Law Firm you want on your side after an accident. - Amanda G.
The attorneys and staff went out of their way to help us after our accident. Thank you Carabin Shaw. - Melinda F.
We did our research after our accident and chose Carabin Shaw. They were great. Highly recommend. Joel Y.