Question Details:I got rear-ended twice by a truck with trailer. The person provided the police insurance that had expired; he was cited. Now my parents got hurt during the accident and the car got hit hard. I contacted the person yesterday and asked him to provide the insurance but he said that he left the insurance card in the truck and the truck was parked at his company. I told him that I would contact him again this morning but he didn't pick up the phone. I left several messages with no return call. What do I need to do next? I don't want to claim on my insurance. Could I contact a lawyer; and what can the lawyer do if the insurance is no good? Should I speak with a personal injury attorney? I'm in Houston, TX.
I suggest that you look at the police report to see who the owner of the truck is. If the owner is a company, then you can go after the company/its insurance. If the owner is the man without insurance, you need to place your insurance carrier on notice of a uninsured claim. In other words, your insurance company will stand in the same shoes as the insurance company if the at fault driver had insurance. Your insurance company will pay you up to the limit of liability in your uninsured motorist coverage. I also suggest that you make sure your parents treat for their injuries so that they can get the insurance to pay for their bills. You should also hire a lawyer to represent you in this claim. The lawyer will sue your insurance carrier and the at fault driver. Hire a personal injury lawyer.