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Bad Insurance
(Bad Faith Insurance Practices)
Insurance companies in Texas have never been as strong
as they are today. Many years of low verdicts and conservative juries
have made insurance companies more likely to improperly deny claims or
coverage.
We at the Kuzmich Law Firm sue insurance companies who go to far. We are
committed to protecting your claim and making sure you get exactly what
you deserve for your loss, pain, and suffering.
Is Your Auto Insurance Adequate?
Texas Law requires that you carry a minimum of
$25,000.00 per person and $50,000.00 per accident in liability insurance
coverage on your vehicle. Often this coverage is not adequate to protect
family assets in a case where you are sued for very serious injuries.
For a relatively small increase in your monthly premium, your coverage
levels can be raised to $100,000.00 per person, and $300,000.00 per
accident.
If you want to protect yourself and your family from
drivers who have no insurance, or not enough insurance on their auto
policies, you need uninsured (UM) and underinsured motorist coverage (UIM).
Statistics show that one in five drivers in Texas have no insurance.
In addition to these types of insurance, you can also
purchase Personal Injury Protection (PIP) and Medical Pay (MedPay).
These supplemental forms of insurance will provide you coverage for out
of pocket medical expenses in an auto accident, regardless of
fault. MedPay has a subrogation right (meaning that it must be
reimbursed if there is a third-party recovery), while PIP does not. In
addition, PIP can be used to cover lost wages, which MedPay cannot.
If you have questions regarding your
policy, please call us or contact your
insurance agent.
RELATED INFO:
How Insurance Companies use
credit information.
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