A successful Texas car accident case has many components: proof of liability of the negligent driver, credible evidence of the plaintiff’s physical injuries and other damages, and enough insurance coverage to fully compensate the plaintiff for his or her losses.
Unfortunately, the “insurance coverage” issue can be problematic. If the defendant does not have insurance, or in a case in which the defendant’s identity is not known (as in the case of a hit-and-run driver), the plaintiff may have to rely upon his or her own uninsured or underinsured motorist coverage. Thus, it is important that an insurance policy be purchased at the appropriate time.
As is illustrated in the case below (concerning lack of coverage for a new car that was vandalized during an attempted theft), disputes can arise concerning coverage, and failing to obtain adequate coverage in a timely fashion can be a very costly mistake.