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Car Accident FAQs


Car accidents happen in the blink of an eye, although the repercussions can take weeks, and even months to deal with. During the initial moments after a car accident, there are likely many questions running through your mind, which we will answer below.

1. What happens when the other driver is not insured?

One of the most frustrating parts of handling car accident claims can occur when the other driver is not insured. In these cases, you cannot go through an insurance company to file a claim, but must pursue alternative methods of recovery, such as pursuing a personal injury claim against the negligent driver.

2. What if the At-Fault Driver is underinsured?

While Texas requires all drivers to be insured in the state, some drivers may be underinsured. If this is the case, you can work with a personal injury attorney to draft a claim which will include the full amount of damages you should have been entitled to receive.

3. What are the UM/UIM Insurance Requirements in Texas?

Uninsured/Underinsured Motorist Coverage is a policy in Texas that protects drivers from negligent drivers who are uninsured or underinsured. Texas requires every insurance policy to provide minimal UM/UIM coverage.

4. What if my auto insurance claim is denied?

If your auto insurance claim is denied, you may seek an alternate form of recovery, such as filing a personal injury claim against the responsible driver in order to cover your damages.

5. What if I wasn’t the Driver?

If you were not the driver in a devastating accident, you are still able to bring a claim against the driver if the driver was responsible for an accident that led to your injuries.

6. What is Bad Faith?

The term “bad faith” can refer to a claim which is brought by a person who did not actually receive the injuries they claimed to receive. In these cases, courts can actually punish a person who brings a claim in bad faith.

7. How much can I recover?

As the victim of a car accident, you are entitled to recover damages in the amount of your total expenses as related to your injuries, including medical expenses and lost wages.

8. Do I have to contact my insurance?

You should always contact your insurance company after an accident, whether or not you choose to file a claim through the insurance company.

9. Do I Need an Attorney?

The facts and circumstances of your accident will often dictate your need for an attorney. Tony Malley will offer an initial free consultation prior to the official start of your engagement, and will advise you as to whether your claim is worth legally pursuing.


If you or a loved one have been involved in a car accident, do not hesitate to contact the Malley Law Firm. Tony Malley has years of experience in handling claims stemming from car accidents, and will work tirelessly to ensure you receive the compensation you deserve for your injuries. Contact our Beaumont office today for your initial free consultation.



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