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Car accident claims, including the coverage fight

Liability is one problem and coverage is another. Texas minimum limits are $30,000 per person, and a serious injury exhausts that before the first surgery is billed.

Where fault is disputed, the case is decided by evidence gathered early: intersection and business camera footage, event data from both vehicles, scene measurements and the witnesses the responding officer never reached. We do that work before memories settle and before the other insurer’s version becomes the only written record.

Where fault is clear but the policy is small, the work shifts to coverage. We identify every layer — the at-fault driver, an employer if the vehicle was being used for work, your own underinsured-motorist and PIP coverage, and any umbrella policy — and we press your own carrier when it treats your UIM claim as though you were the opponent, which is exactly how these claims tend to be treated.

Cases we handle

  • Highway and intersection collisions, including multi-vehicle pileups
  • Disputed liability and denied-fault claims
  • Hit-and-run and phantom-vehicle claims under UM coverage
  • Underinsured motorist claims against your own carrier
  • Rear-end and lane-change collisions where the injury is challenged rather than the fault

The record

recovered for clients since 2011
$212M+
cases taken to verdict
60+
trying cases in Harris County
19 years

How a case moves

  1. Investigation

    We move fast on the evidence: black-box data, driver logs, plant records, scene documentation and witnesses — preserved before it disappears.

  2. Demand

    A documented demand built on medical evidence and proven losses. Insurers respond to files that are ready for a courtroom, not letters that hope for one.

  3. Litigation

    Suit, discovery and depositions in Texas state or federal court. Every deadline is ours to hit; every deposition builds the trial record.

  4. Trial

    If the offer never matches the harm, we pick a jury. You decide whether to settle — at every stage, with the numbers in front of you.

Questions

The other driver had almost no insurance. Is that the ceiling?

Often not. Your own UIM coverage, PIP, an employer’s policy if the driver was working, and umbrella coverage can all apply. Finding every layer is part of the investigation, not an afterthought.

My own insurer is fighting me. Can they do that?

A UIM claim makes your carrier your adversary on the numbers, and in Texas it generally does not have to pay until liability and damages are established. That is a reason to treat it as litigation from the start rather than a claim form.

Should I use my health insurance for treatment?

Usually yes — get care first and let us deal with the liens and subrogation afterwards. Delayed treatment is the argument the insurer most wants you to hand them.

The insurer started building its file the day it happened

Texas deadlines can end a claim before you know it exists. The call costs nothing.

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