Texas Auto Accident Victims May Have Additional Coverage

Texans who are injured by negligent drivers may be covered by both the negligent driver’s automobile liability policy and by policies in the name of other members of the negligent driver’s household. Virtually all Texas automobile liability policies include definitions which create “omnibus insureds” or insureds by definition. Most Texas automobile insurance policies include a provision which provides that the policy covers not only the named insureds but also all relatives of the named insureds who are also a member of the named insured’s household.

For more information contact a Tyler Auto Accident Attorney today.

For more information contact a Tyler Auto Accident Lawyer today.

Consider the following scenario. Uncle Charles goes through a divorce and while he is getting back on his feet moves in with his brother’s family. The brother’s automobile liability insurance policy has a provision that includes coverage for any relative who is also a member of the named insured’s household. Thus Uncle Charles becomes an omnibus insured or insured by definition even though Uncle Charles maintains his own separate automobile liability insurance policy.

Uncle Charles then goes out and causes an accident in which the victim sustains personal injuries which exceed the limits of Uncle Charles’ insurance policy. Because Uncle Charles is an omnibus insured under his brother’s policy, his brother’s policy acts as excess insurance and provides coverage for the accident.

The flip side of this scenario is that if you are involved in an automobile accident and sustain personal injuries and damages which exceed the at-fault driver’s insurance you also need to determine whether the at-fault driver’s household includes relatives which have separate automobile liability insurance which may provide coverage for your accident.

For more information contact a Tyler Auto Accident Attorney today.