Texas Minimum Liability Coverage
Texas requires drivers to carry minimum liability limits of 30/60/25, which provide: $30,000 for injuries to one person $60,000 for injuries per accident $25,000 for property damage
Houston Car Accident Lawyers
If you need a car accident lawyer Houston TX drivers rely on after a wreck, the first thing to understand is that Texas runs on fault, not no-fault. The driver who caused your crash is the one who pays, and proving that is where your case is won or lost. We represent injured drivers and passengers across Houston and Harris County. We handle the insurance fight so you can heal. Start with our Houston personal injury page, then read how recovery actually works in Texas so you know what to expect before you talk to any insurer.
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United Law Group
The 30/60/25 Minimum Coverage Trap
Texas requires every driver to carry liability insurance, but the state's minimum coverage limits are often far too low for serious motorcycle accidents. Many injured riders discover that the at-fault driver's policy is exhausted long before their medical bills, lost income, and long-term care expenses are fully covered.
Serious Injuries Quickly Exceed Policy Limits
A motorcycle accident involving surgery, hospitalization, rehabilitation, or extended time away from work can easily exceed the at-fault driver's insurance limits. Once those policy limits are exhausted, additional compensation must come from other available sources.
Why Minimum Coverage Creates a Financial Gap
Many accident victims assume the at-fault driver's insurance will pay all of their damages. In reality, minimum liability policies often run out long before the injured rider's expenses are covered. Identifying additional insurance coverage is frequently the difference between a partial recovery and full compensation.
United Law Group
The 30/60/25 Minimum Coverage Trap
Texas requires every driver to carry liability insurance, but the state's minimum coverage limits are often far too low for serious motorcycle accidents. Many injured riders discover that the at-fault driver's policy is exhausted long before their medical bills, lost income, and long-term care expenses are fully covered.
Texas Minimum Liability Coverage
Texas requires drivers to carry minimum liability limits of 30/60/25, which provide: $30,000 for injuries to one person $60,000 for injuries per accident $25,000 for property damage
Serious Injuries Quickly Exceed Policy Limits
A motorcycle accident involving surgery, hospitalization, rehabilitation, or extended time away from work can easily exceed the at-fault driver's insurance limits. Once those policy limits are exhausted, additional compensation must come from other available sources.
Why Minimum Coverage Creates a Financial Gap
Many accident victims assume the at-fault driver's insurance will pay all of their damages. In reality, minimum liability policies often run out long before the injured rider's expenses are covered. Identifying additional insurance coverage is frequently the difference between a partial recovery and full compensation.
UM and UIM Coverage When the Other Driver Has Nothing
Texas has one of the nation's highest rates of uninsured and underinsured drivers, making insurance coverage just as important as proving fault. Even when another driver clearly caused the crash, recovering full compensation often depends on identifying every available source of insurance.
UM and UIM Coverage Can Fill the Gap
Texas has a significant number of uninsured drivers, while many others carry only the state's minimum liability limits. Uninsured Motorist (UM) coverage protects you when the at-fault driver has no insurance, while Underinsured Motorist (UIM) coverage provides additional compensation when the other driver's policy is insufficient to cover your losses.
What Your Houston Crash May Be Worth
The value of a claim depends on the severity of your injuries, medical expenses, lost income, future treatment needs, and available insurance coverage. Recoverable damages may include: Past and future medical expenses Lost wages and reduced earning capacity Physical pain and mental anguish Loss of enjoyment of life Property damage and related out-of-pocket costs
Hit-and-Run and Insurance Coverage
When a hit-and-run driver cannot be identified, your UM coverage generally treats that driver as uninsured. Promptly reporting the accident, documenting the scene, and preserving evidence help protect your ability to recover under your own policy. Because UM and UIM claims involve your own insurance company, strict notice requirements and policy rules must also be followed.
Don't Accept the First Settlement Offer
Insurance companies often make early settlement offers before the full extent of your injuries and future financial losses is known. Once a settlement is accepted, the claim is permanently closed. Evaluating future medical care, ongoing treatment, lost earning capacity, and long-term damages helps ensure any settlement reflects the true value of your case rather than the insurer's initial offer.
Florida Residents: Don't Let Your 2-Year Deadline Pass! The clock is ticking on your case. Contact Us today to protect your rights before it's too late.
Texas Laws That Shape Your Car Accident Claim
Texas follows an at-fault insurance system, but recovering compensation depends on more than proving another driver caused the crash. Comparative fault rules, strong evidence, and case eligibility all play a major role in determining whether you recover compensation and how much your claim is worth.
The 51% Comparative Fault Rule
Texas uses modified comparative fault under Texas Civil Practice and Remedies Code Section 33.001. If you are found 51% or more responsible for a crash, you cannot recover damages. If you are 50% or less at fault, your compensation is reduced by your percentage of responsibility, making every percentage point important during settlement negotiations and litigation.
Proving Fault After a Houston Car Accident
Insurance companies often try to increase your share of fault by claiming you were speeding, distracted, or could have avoided the collision. We counter those arguments by building the strongest possible evidence.
Who Has a Strong Injury Claim?
You may have a strong Texas car accident case if: Another driver's negligence caused the crash. You suffered injuries requiring medical treatment. Your injuries resulted in measurable financial or personal losses. Your claim is filed within Texas's legal deadline. Early case evaluation also helps identify available insurance coverage, preserve evidence, and determine whether pursuing a claim is financially worthwhile.
The Clock Is Ticking Don't Lose Your Rights. These deadlines are strict and unforgiving. Contact us immediately to protect your right to compensation before it's too late.
You Pay Absolutely Nothing
Unless We Win Your Case
Financial stress shouldn't stop you from getting justice. We remove that barrier with our simple, risk-free promise. At United Law Group, we believe justice shouldn't depend on your ability to pay upfront legal fees.
A Proven Record of Success for Our Clients
These numbers represent real lives and futures our firm has helped restore. While every case is different, our history of securing significant settlements and verdicts demonstrates our unwavering commitment to our clients.
Why Our Track Record Matters
Every case is unique, and past results don't guarantee future outcomes. However, these cases demonstrate
Our willingness to take cases to trial when settlement offers are unfair.
Our ability to handle complex litigation against well-funded defendants.
Our commitment to thorough investigation and expert testimony.
Our track record of substantially increasing initial settlement offers.
Looking for a personal injury attorney near you? Our team is ready to help, no matter how complex your case may seem.
Could Your Case Be Worth More Than You Think?
Many insurance companies lowball initial offers. Let us fight for what you truly deserve. Contact Us for a free case review.
Get My Free ConsultationGet Your Free, Confidential Case Evaluation Today
If you've been injured due to someone else's negligence, time is critical. Florida and Texas statutes of limitations are ticking, evidence can disappear, and witnesses' memories fade. The sooner you contact an attorney for personal injury, the stronger we can build your case.
You're Under No Obligation
This consultation is completely free with no strings attached. Whether you hire us or not, you'll leave with valuable information about your legal rights and options
What to Expect During Your Free Consultation
We listen to your story
Tell us what happened in your own words
We explain your rights
Clear guidance on Florida or Texas law and your options
We outline the process
Realistic timeframes and what to expect.
We give you honest answers
What your case is worth, no inflated promises
We take immediate action
If we take your case, we start working right away
FAQs
Frequently Asked Questions
Navigating a legal issue can be confusing. Here are quick answers to some of the most common questions we receive.
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No. Texas is an at-fault state, so the driver who caused the crash, and that driver's insurer, pays for your injuries. There is no mandatory PIP paying your first bills regardless of fault.
Two years from the date of the crash under Texas Civil Practice and Remedies Code Section 16.003. Acting early protects the evidence that proves the other driver's fault.
Your own uninsured or underinsured motorist coverage can step in. With Texas minimums at just 30/60/25 and a high uninsured rate, that coverage often makes the difference in a serious case.
Yes, as long as you are 50% or less at fault. Texas uses modified comparative fault, so your award drops by your share, and at 51% or more you recover nothing.
It depends on injury severity, medical bills, lost income, and available coverage. Texas does not cap most auto damages, so strong documentation of your losses drives the value.
Nothing upfront. We work on contingency, so you pay no fee unless we win, and the consultation is free.
