Texas Car Insurance and Damages After an Accident

Texas is a tort state for car insurance purposes. A person who has been injured in a car accident has the right to sue for damages. When an accident occurs, one driver must be found at fault for the accident and he or she is responsible for paying damages to the occupants of the other vehicle.

The damages can be for economic or non-economic loss. Examples of damages for economic loss are those paid to compensate the injured person for medical bills, lost wages or the cost of hiring a housekeeper. Non-economic loss are damages that fall under the general category of pain and suffering and include the following types of loss:

  • Disfigurement
  • Inconvenience
  • Loss of companionship
  • Loss of enjoyment of life
  • Loss of spousal companionship
  • Mental anguish
  • Pain and suffering
  • Physical impairment
  • Disfigurement
  • Physical impairment

If the injured person’s claim for damages makes its way to court, the jury in the case has the right to decide how much the injured person should receive for his or her injuries. Any person who feels that he or she is entitle to compensation following the accident because of damages sustained can start an action, since there are no restrictions on who can start lawsuit in Texas.

The jury hears the case and then considers each item the plaintiff is asking to be compensated for. If the jury feels the amount requested in reasonable, it has the power to order the defendant to pay.

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