Dallas DWI Accidents and Your Auto Insurance – Know Your Rights and Coverages

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Getting hit by a drunk driver in Dallas can be a huge hassle.

Not only do you have car repairs, painful physical injuries, lost time from work and loads of accident-related expenses to deal with, you also have to handle your insurance company – and sometimes they can be a little less than helpful, even when you truly are the victim in the wreck.

When we meet DWI accident victims, questions about insurance are some of the first ones we get. “Will my insurance pay for damages?” “Will my insurance go up because of the wreck?”

As much as we wish we could say insurance issues always go in the victim’s favor, unfortunately, many times they don’t. Sometimes, the victim even ends up paying a huge amount out of their very own pockets!

Were you hit by a drunk driver?

Want to know how your insurance will be affected? What rights you have? How to make sure you don’t pay out? Here are some helpful bits of knowledge from our Dallas DWI accident attorneys:

  • Your actions matter, too. While the other driver might have been drunk, if you were violating the law in some other way, it could affect what your insurance will pay. If you were speeding, driving a car you’re not authorized to drive, or driving without a license – these are all things that could affect your compensation. Make sure you’re always driving according to the law, and you’ll never have to worry.
  • You need uninsured and underinsured coverage. If the drunk driver doesn’t have insurance, your insurance policy needs to include uninsured or underinsured motorist coverage if you want to be compensated. Without these coverages, the pay up falls on the other driver, and if they don’t have an insurance policy themselves, then you’re going to have a pretty hard time getting that money back – no matter what you do.
  • Make sure there’s evidence. When you’re in a wreck with an intoxicated driver, you need to do two things. First, call the cops. They need to file an official police report, so there is proof of the wreck on file (and proof of your innocence.) Second, you need to make sure the police know about the other driver’s state of mind, if they’re not already aware. This should be a part of the police report, as it will give you leverage when negotiating with the insurance companies.
  • A lawyer can help. A lawyer can help in two ways when you’re the victim of a drunk driving accident. First, they can handle all communication with the insurance companies and any other involved parties. This can improve your chances of getting properly compensated and make the post-accident process much easier on you. Second, they can file a civil suit against the drunk driver and make sure you’re compensated for the damage to your car, medical bills, pain and suffering, lost income and other expenses you’re rightfully due.

As the victim of a drunk driving accident, you should never be forced to pay your own medical bills, cover your own car damages or pay for any accident-related expenses at all. In fact, you should be due even more than that. You’re owed money for your pain, your suffering, your lost income, and you may even be due punitive damages because the drunk driver acted so negligently.

Don’t ever let your insurance company give you the run-around. If you were hit by a drunk driver, contact the DWI accident lawyers at Franklin Law Firm, and let our expert team help. We’ll ensure you get the care and compensation you’re rightfully owed during this difficult time.

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