Every state has different minimum limits for injury and property damage claims. In Texas, the minimum limits are $30,000 per person/$60,000 per incident. Basically, the State of Texas says you are worth $30,000. Die in a wreck caused by someone else with insurance, collect $30,000. Have medical bills of $100,000 from a wreck that was not your fault, still $30,000.
Louisiana limits are even worse — $15,000 per person/$30,000 per incident.
Our client is from Louisiana but wreck happened in Texas. The insurance adjuster offers $15,000 as a policy limit settlement to our client. Policy limit you say, but one small problem – in Texas that’s $30,000 not $15,000. We’re right, insurance company is wrong (again), client is entitled to $30,000.
I can’t tell you how many lawyers in Texas who don’t normally handle car wrecks would simply say OK and take the $15,000, but my guess is a lot. Don’t let a lawyer that doesn’t handle car wrecks everyday take care of your claim. We’ve handled car wrecks for the last 28 years – let us put our experience to work for you.