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If you’ve been in an accident and sustained injuries, you may be able to file a claim against the at-fault party’s insurance. However, most people don’t know which type of personal injury claim they should file. Much depends on the type of accident. Here’s what you need to know about the types of insurance that may be applicable to your personal injury claim.

Car Insurance 

In Texas, drivers who cause auto accidents are responsible for resultant damages. Many choose to carry auto insurance to meet financial responsibility laws. As such, if you suffered injuries in a car accident, you may be able to file a claim against the other driver’s insurance, if that driver caused the wreck.

In some cases, and if you have applicable coverage on your policy (like personal injury protection insurance), you may be able to file a claim with your own insurance company.

Homeowner’s Insurance 

Some assume that homeowner’s insurance only covers accidents caused by events that damage the home, such as a fire. However, depending upon the policy, homeowner’s insurance may also cover injuries guests suffer on the insured property. As such, if you suffer injuries on someone else’s property, like a slip and fall, you may be able to recover compensation for your injuries under that property owner’s homeowner’s insurance policy.

Other Types of Insurance in a Personal Injury Claim 

 

Other types of insurance that liable parties may have, and against which you may be able to file a suit, include this list. 

  • Business insurance
  • Boat insurance
  • Off-road vehicle insurance

An attorney can help you determine which type of insurance claim is right for you. Meanwhile, your own health insurance may help you pay for medical bills you incurred as a result of the accident. But if you later recover damages from another liability policy, then your health insurance may recoup its expenses as part of your recovery.

Take Legal Action in Dallas Now 

If you suffered injuries because of the actions of another person in Dallas, consult with a Texas personal injury attorney now. In Texas, the statute of limitations for a personal injury case is two years. As such, act as soon as possible if you wish to recover damages.

At the Law Office of Julie Johnson, PLLC, we guide you through the process of filing your claim for damages, helping you collect evidence, and more. If you’re ready to begin the process, call us now at 214-290-8001 to set up a free consultation.