Motor Vehicle Accident (MVA)
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Car accidents are trying life events. An accident can be physically, financially, and emotionally draining. Texas is a fault state, meaning that the driver at fault in the accident will be responsible for paying the medical expenses of the injured party. This is only the case if you are not more than 50% responsible for causing the accident.
Generally speaking, you are likely entitled to a claim if you were injured as a result of another individual’s negligence. Until the at-fault driver is forced to pay for your losses, you must cover them yourself. It is essential that you attend all medical appointments and therapy sessions as failure to attend these appointments may result in the defense challenging the validity of your injuries, possible lowering the damages awarded.
The Texas Department of Insurance states, "If you were injured in an accident caused by another driver, the other driver’s insurance company will offer you a settlement to cover your medical bills related to the accident. The company will also ask you to sign a release promising that you won’t file more claims for the accident. Before you sign the release, talk to your doctor about any future medical treatment you might need. Consider this information to decide whether the company’s settlement offer is fair."
Keep detailed records of any and all medical treatment you receive as a result of the accident. Write down any and all visits to hospitals, clinics or doctors’ offices. This includes any type of medical treatment, so physical therapy, mental health appointments and dentist appointments should be documented as well. Keep receipts for all expenditures, including co-pays on office visits. Keep a log of prescriptions, including your out-of-pocket cost for the prescriptions. You will want to keep track of any over-the-counter medication as well. For each and every entry in your log, mark the date and, if possible, the time. Save receipts to prove your expenses.