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Policy Restrictions Can Prevent Recovery

The Houston Auto Accidents Attorneys at DeSimone Law Office have run into a problem more frequently lately  in recovering for our clients’ personal injuries and property damage resulting from traffic accidents.  In previous years all drivers had the same auto policy as determined by state law. If one policy covered all authorized drivers for an accident for example, then everyone’s policies in the state contained the same coverage. Recently the state of Texas allowed insurance companies to write policies that are not standard Texas automobile policies.  Most of theses policies are so restrictive that unless the person who actually purchased the policy is the one driving the insured car at the time of the accident, there will be no coverage under the policy for any insurance claim as a result of a car accident.  If the policy does not restrict coverage to just the named insured,  most of the insurance companies which issues these policies, being low end, normally have an insurance application riddled with questions, any of which not answered accurately, can void coverage under the policy for failure to answer the questions accurately.  One common example is the failure of the person purchasing the policy to name all family memberswho live with that person.  Invariably one of these unnamed family members will be driving the car at the time of a traffic accident.  The insurance company will seize on this to deny coverage for this accident stating the person was not named as someone living with their insured on the insurance application. Of course as we have discussed before on this blog the solution to this common occurence is to have the coverages on your own auto that will protect you from uninsured drivers.

If you have been involved in an auto accident, are hurt and need assistance in dealing with the at fault party’s insurance company, call the lawyers at DeSimone Law Office.  We have dealt with all auto insurance companies for 24 years and will obtain for you the monies to which you are entitled.

This entry was posted in Car Accidents, Houston Auto Accident Attorney, Insurance Claims, Personal Injuries, Property Damages, Traffic Accidents, Uncategorized and tagged , , , , , , . Bookmark the permalink.
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