Insurance After a Saginaw Car Crash
Short answer: The at-fault driver's insurance is ultimately responsible in Texas. In practice, your own coverage pays first: PIP or MedPay for medical bills, then health insurance. UM/UIM steps in if the other driver had little or no insurance.
Four coverages to know
| Coverage | Whose policy | What it pays | Depends on fault? |
|---|---|---|---|
| Liability | The at-fault driver's | Your injuries and car, up to their limits | Yes |
| PIP | Yours | Medical bills and 80% of lost income | No |
| MedPay | Yours, if you bought it | Medical bills only | No |
| UM/UIM | Yours | What an uninsured or underinsured driver can't | Yes, the other driver must be at fault |
The minimum limits
Texas drivers must carry at least $30,000 per injured person, $60,000 per crash and $25,000 for property damage. That's the most a minimum policy pays, no matter how big your bills are.
Health insurance
You can usually use it for crash care. Your plan may then claim repayment from your settlement (subrogation), depending on the plan. A lawyer can negotiate that.
More guides
- PIP and MedPay
- Letter of protection
- Talking to adjusters
- Car damage vs. injury claim
- Uninsured drivers
Questions after a Saginaw wreck?
A participating personal injury firm can review your situation for free. It takes about two minutes to ask, wherever in Texas the crash happened.