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Closing the compensation gap between the offer and what's right

Everyone with a license issued by the state of Texas probably understands that the law requires individuals to pay for any motor vehicle accident they cause. Because of that provision, most people cover the base by contracting for liability insurance.

The question that ought to be, but probably rarely is asked, is how much insurance is really the right amount to have? According to the state's Department of Insurance, as of 2014, the minimum expectation is that a driver responsible for an accident will have enough resources to cover repairs or replacement of the other driver's vehicle and any medical expenses of injured victims, so minimum coverage amounts are set.

The fact is that no one knows what the real total cost of any given accident is going to be. There are so many factors that can come into play. Damage to the vehicle can run the gamut from a minor fender bender to something that requires total replacement. And injuries from an accident can be as minor as a cut to catastrophic brain or spinal cord damage.

While the scope of damage and injury from a collision might be broad, you can be sure that the insurance companies handling claims will be doing all they can to limit the focus of their obligations. They don't want to pay out any more than they have to and so they are likely to move fast to settle claims that limit what they have to pay for basic repairs and medical costs.

But depending on the circumstances of the accident, reimbursement may be sought for more. Elements of lost income, long-term care costs, impairment or disfigurement, and other pain and suffering may all warrant pursuit of recovery.

The Apffel Law Firm stands ready to provide you with a free consultation about your case to assess your needs may and help you exercise your rights to recover full compensation. We await your contact by phone or email.

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