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Personal Injury Lawyers in Killeen, TX: 5 Key Insights

Fri, 01 May 2026 20:34:36 GMT

When an accident disrupts your life in Killeen, Texas, the financial impact can go far beyond medical bills. Injuries often affect long term career growth and income stability, especially for those working in defense contracting, healthcare, construction, and local businesses. Experienced personal injury lawyers in Killeen, TX can evaluate these losses and help protect your financial future. Call 254-778-3660 today to discuss your case.

At The Law Office of John R. Francis, cases often involve more than simple lost paychecks. They involve calculating what a client may lose over years or even decades due to a serious injury. Below are five key insights that explain how personal injury attorneys in Killeen, TX assess loss of earning capacity and why this calculation can significantly increase the value of a claim.

1: Lost Wages and Loss of Earning Capacity Are Not the Same

One of the most common questions is, What is the difference between lost wages and loss of earning capacity?

Lost wages refer to income already missed because of an injury. For example, if a worker at Fort Cavazos or a local manufacturing facility misses six weeks of work due to a serious back injury, those missed paychecks are considered lost wages. This calculation is straightforward. It typically includes salary, hourly pay, overtime, and sometimes bonuses that would have been earned during that period.

Loss of earning capacity is distinct and often much more complex than simple lost wages. It describes the reduction in a person’s ability to earn income over the long term due to a permanent or lasting injury. For example, if a civilian contractor can no longer handle physically demanding work or a local manager cannot resume full time leadership because of cognitive limitations, the injury may permanently restrict future promotions, raises, and overall career advancement. Personal injury lawyers in Killeen, TX help assess and pursue compensation for these long term impacts.

Personal injury lawyers in Killeen, TX focus heavily on this distinction because loss of earning capacity often represents the largest portion of financial damages in serious injury cases.

H2> 2: Permanent Injuries Affect Career Growth in the Killeen Job Market

Killeen has a distinctive job market, with Fort Cavazos, defense contractors, and growing healthcare and retail sectors. Personal injury lawyers in Killeen, TX consider these factors when assessing long term earning potential. However, a permanent injury can limit access to these opportunities.

For example:

A skilled tradesperson may lose the ability to perform physically demanding tasks.
A healthcare professional may face restrictions that prevent long shifts.
A contractor working on defense related projects may no longer meet physical requirements.
A local business employee may not qualify for management roles due to cognitive or mobility limitations.

Personal injury attorneys in Killeen, TX analyze how an injury impacts not only current job duties but also future promotions, training opportunities, and long term employment stability. This broader approach ensures that compensation reflects the full financial impact of the injury within the Central Texas market.

The United States Bureau of Labor Statistics reports that wage growth and career advancement trends differ widely across industries, directly influencing long term earning projections. Personal injury lawyers in Killeen, TX take these factors into account when calculating potential future financial losses for clients. This data is often considered when evaluating claims.

3: Vocational Specialists and Economists Help Project Future Losses

Calculating loss of earning capacity requires more than reviewing pay stubs. A specialized personal injury law firm in Killeen, TX works with vocational specialists and economists to assess long term financial impact.

Vocational specialists evaluate:

Education and training background.
Work history and transferable skills.
Physical and cognitive limitations.
Availability of comparable employment in Killeen and surrounding areas.

Economists then project the financial consequences of these limitations. They consider factors such as:

Expected career trajectory.
Average wage increases.
Inflation.
Retirement age.
Industry specific growth trends in Central Texas.

By combining vocational analysis with economic projections, personal injury lawyers in Killeen, TX can present a clear and credible estimate of future lost income. This method moves the claim beyond guesswork and grounds it in measurable financial data.

4: Long Term Career Impact Often Increases Claim Value

Insurance companies often focus on short term losses because they are easier to quantify. However, a serious injury can affect decades of earning potential.

Consider a thirty five year old professional in Killeen earning sixty thousand dollars annually. If that person suffers a permanent injury that limits career advancement and reduces lifetime earning potential by even fifteen thousand dollars per year, the long term impact over twenty five years could reach hundreds of thousands of dollars.

Personal injury lawyers in Killeen, TX carefully document these projections to demonstrate the true value of a case. By presenting evidence of diminished career longevity and restricted advancement opportunities, a personal injury law firm in Killeen, TX can pursue compensation that reflects both immediate and future financial harm.

This comprehensive approach is particularly important in catastrophic injury cases involving spinal cord injuries, traumatic brain injuries, or severe orthopedic damage.

5: Local Knowledge Strengthens Financial Projections

Understanding the local economy matters. A personal injury law firm in Killeen, TX must be familiar with:

Employment trends near Fort Cavazos.
Civilian contractor roles and salary structures.
Regional small business growth.
Healthcare and service industry opportunities.
Median income levels in Bell County.

Personal injury attorneys in Killeen, TX who understand the Central Texas job market can more accurately assess how an injury affects long term employment options. This localized knowledge ensures that projections reflect real opportunities and realistic career paths within the community.

Personal injury lawyers in Killeen, TX also recognize that certain injuries may force individuals to relocate, accept lower paying positions, or retire early. Each of these outcomes can significantly increase the value of a loss of earning capacity claim.

Why Thorough Financial Analysis Matters

A serious injury does not only interrupt daily life. It can alter an entire career path. Without proper evaluation, injured individuals risk accepting settlements that only cover short term losses.

Personal injury lawyers in Killeen, TX work to ensure that both lost wages and loss of earning capacity are fully documented. By using vocational assessments, economic projections, and industry specific data, these attorneys aim to secure compensation that accounts for years of reduced earning potential.

The Law Office of John R. Francis serves clients across Killeen, Texas and understands local financial challenges. Personal injury lawyers in Killeen, TX help clients distinguish between lost wages and long term earning capacity to protect financial recovery.

Take the Next Step Toward Protecting Your Future

If an injury has affected your ability to work or advance in your career, it is critical to understand your rights. A careful evaluation by personal injury lawyers in Killeen, TX can help determine whether your claim includes loss of earning capacity in addition to lost wages.

To discuss your situation and explore your legal options, visit our contact page or call The Law Office of John R. Francis at 254-778-3660 .

Personal Injury Lawyer in Killeen, TX: 5 Things to Know

Fri, 01 May 2026 20:26:59 GMT

When you are facing the aftermath of an accident, choosing the right legal representation can shape your recovery and your future. At The Law Office of John R. Francis, we understand how overwhelming this moment can feel, especially when dealing with medical bills, lost income, and uncertainty. Working with a personal injury lawyer who understands your local environment can make a real difference in your outcome. If you need guidance today, call us at 254-778-3660 and take the first step toward clarity and support.

We invite you to continue reading below to discover the five essential things you should know before choosing legal representation in Killeen, Texas. These insights will help you make informed decisions and feel confident moving forward.

1. Why Proximity Matters When Choosing Legal Representation

Choosing a personal injury lawyer in Killeen, TX means working with someone who understands the local environment beyond just legal theory. We live and work in the same community, which allows us to stay connected to the realities our clients face every day.

Local proximity provides several advantages that are often overlooked. We are able to meet with clients quickly, respond to urgent matters, and provide hands on guidance when it matters most. Being nearby also allows us to build stronger relationships with clients, which often leads to better communication and trust.

When you choose a local firm like The Law Office of John R. Francis, you are not just hiring legal support. You are partnering with professionals who understand your surroundings and your challenges.

2. The Power of Local Knowledge in Killeen and Bell County

Local knowledge is one of the most valuable assets a legal team can offer. Our experience working within Bell County gives us insight into court procedures, judges, and how cases are typically handled in this region.

We also understand the specific characteristics of Killeen, including traffic patterns and high risk areas where accidents are more likely to occur. This knowledge helps us build stronger cases because we can anticipate common issues and prepare accordingly.

Killeen is home to many military connected families, especially those associated with Fort Cavazos. These families often face unique legal and logistical challenges after an accident. As a personal injury law firm serving Killeen, TX, we take these factors into account when developing legal strategies that reflect the realities of our community.

3. Understanding The Contingency Fee Model

One of the most common questions we hear is, “How much does a lawyer cost if I am injured?” The answer is simpler than many people expect.

At our firm, we work on a contingency fee basis. This means you do not pay upfront legal fees. Instead, we only receive payment if we successfully recover compensation for you. This approach removes the financial barrier that often prevents people from seeking legal help.

Here is what that means in practical terms:

You do not pay any upfront legal fees to begin your case.
Legal costs are only collected if we win or settle your claim successfully.
Our interests are aligned with yours because we are motivated to achieve the best possible outcome.

This structure allows you to focus on your recovery while we handle the legal process with confidence and commitment.

4. What Sets Our Team Apart in Injury Representation

At The Law Office of John R. Francis, our experience and dedication shape every case we handle. With decades of legal practice and extensive trial experience, we bring a level of insight that can make a difference in complex situations.

We approach each case with attention to detail and a deep commitment to our clients. From gathering evidence to negotiating with insurance companies, every step is handled with care and precision.

We believe that strong representation comes from collaboration, which is why our team works closely with each client to ensure that their voice is heard throughout the process.

When working with personal injury attorneys in Killeen, TX, it is important to choose professionals who prioritize communication and transparency. We make it a point to keep our clients informed, so they always know where their case stands.

5. What to Expect During the Legal Process

Understanding the legal process can reduce stress and help you feel more in control. While every case is unique, there are common steps you can expect when working with a personal injury lawyer.

We guide our clients through each stage with clarity and support. The process often includes:

Initial consultation to understand your situation and evaluate your claim.
Investigation and evidence gathering to build a strong case.
Negotiation with insurance companies or preparation for trial if needed.

Throughout this journey, we focus on achieving fair compensation for medical expenses, lost income, and other damages. Our goal is to help you move forward with confidence.

Personal Injury Lawyer: Take the Next Step Toward Recovery

Choosing the right personal injury lawyer is one of the most important decisions you can make after an accident. At The Law Office of John R. Francis, we are committed to helping our community navigate difficult times with trusted legal support and proven experience.

If you are ready to take action, we encourage you to visit our contact page or call us today at 254-778-3660 . Let us help you move forward with clarity, confidence, and the support you deserve.

For additional safety information and accident data, resources like the National Highway Traffic Safety Administration provide valuable insights that can support injury claims and awareness.

How a Personal Injury Attorney Helps Build a Injury Claim

Wed, 01 Apr 2026 21:34:18 GMT

Have you been injured due to someone else’s negligence and wonder how to secure the compensation you deserve? When facing the aftermath of an accident, navigating the legal system can seem overwhelming. That is where a personal injury attorney in Killeen, TX, plays a crucial role. By offering expert guidance throughout the claims process, they help you build a strong and successful personal injury claim. Whether managing medical bills, lost wages, or emotional stress, partnering with the right attorney can make all the difference in your case’s outcome.

Why Building a Strong Personal Injury Claim Matters

Constructing a robust personal injury claim is essential for achieving a fair settlement or winning a court case. The legal process requires more than just proof of injury; it demands clear and convincing evidence, a thorough understanding of legal liability, and a well-presented case that withstands insurer scrutiny. A poorly prepared claim often results in reduced compensation or outright denial, leaving injured individuals burdened with medical costs and lost income.

With a personal injury attorney in Killeen, TX, by your side, you gain a strategic partner experienced in building claims with precision and care. They ensure no important detail is overlooked. From the first consultation to resolution, your attorney contributes expertise that increases the strength and credibility of your personal injury case.

Understanding the Role of a Personal Injury Attorney in Killeen, TX

A personal injury claim requires more than just filing paperwork. It involves a detailed collection of evidence, assessment of liability, and accurate documentation of your damages. A personal injury attorney in Killeen, TX, brings experience and skill to each of these areas. Their knowledge of personal injury law ensures that your claim is structured to maximize your chances of receiving fair compensation.

From the moment you contact a personal injury lawyer, the attorney begins evaluating your case through a step-by-step process. This includes gathering all necessary evidence related to the accident, reviewing medical records, and investigating the circumstances that caused your injury. With their help, you will not face the insurance companies or responsible parties alone.

The Step-by-Step Process of Building an Injury Claim

Building a strong injury claim involves several critical steps that your personal injury attorney will manage carefully:

Initial Case Assessment: Your attorney reviews the facts and advises you on possible legal options and expected outcomes.
Evidence Collection: Gathering police reports, accident scene photos, witness statements, and other relevant documentation.
Medical Documentation: Ensuring all injuries are evaluated by medical professionals and all treatment records and bills are meticulously collected.
Liability Analysis: Determining who is legally responsible based on laws and accident circumstances.
Demand Preparation: Calculating damages, including medical expenses, lost wages, and pain and suffering, and preparing a formal demand to the insurer.
Negotiations: Engaging with insurance companies to secure fair compensation, sometimes involving back-and-forth offers and counteroffers.
Litigation: If necessary, filing a lawsuit and representing you in court for a favorable verdict.

This disciplined process, managed by your attorney, builds a claim that is well supported and ready to withstand challenges.

Key Elements in Building a Personal Injury Claim

One of the essential aspects of a successful injury claim is strong evidence. A personal injury lawyer will assist in collecting everything from accident reports and eyewitness accounts to photographs and video footage. Gathering this material early helps establish the basis of your claim and strengthens your position.

Medical documentation is equally important. Your attorney will ensure every injury, treatment, and prognosis is properly recorded by health professionals. These records are vital in showing the extent of your damages and linking them directly to the accident. Detailed medical bills and expert opinions may also play a role in quantifying your losses.

Another critical area is liability evaluation. Your personal injury attorney will investigate to determine who is legally responsible for your injury. This can involve analyzing traffic laws, workplace safety regulations, or premises liability rules depending on the nature of the accident. Establishing the other party’s fault is necessary to hold them accountable and secure compensation.

How Personal Injury Lawyers Negotiate With Insurance Companies

Negotiating with insurance companies is often one of the most challenging parts of pursuing a personal injury claim. Insurance adjusters may attempt to minimize your payout or deny the claim entirely, which is why having a seasoned personal injury attorney in Killeen is invaluable. Your attorney acts as your advocate, communicating directly with insurers and protecting your rights.

Personal injury lawyers understand the tactics insurance companies use and know how to counter lowball offers effectively. They prepare a clear demand supported by evidence, medical records, and legal arguments. If negotiations fail to produce a fair settlement, your attorney is also prepared to take your case to court to pursue full compensation.

Having an attorney handle negotiations allows you to focus on your recovery while knowing your claim is being pursued aggressively and professionally.

What to Expect When Working With a Personal Injury Attorney

When you choose the right personal injury attorney, clear communication and transparency are priorities. Your attorney will explain legal terms, outline your options, and keep you updated at every stage. Expect a personalized approach where your concerns are heard and respected.

The Law Office of John Francis in Killeen, TX, is known for providing attentive client service combined with legal expertise. They make sure you understand how your case is progressing and prepare you for potential outcomes, so there are no surprises.

The Importance of Choosing the Right Personal Injury Lawyer

Selecting the right personal injury lawyer can influence every stage of your case. You want an attorney who not only understands personal injury law but also cares about your well-being and is responsive to your concerns. A trusted personal injury attorney will keep you informed throughout the process, outline your options, and help you make informed decisions.

Legal expertise combined with compassionate client service leads to better outcomes. In Killeen, TX, The Law Office of John Francis offers experienced representation tailored to your individual needs. Their team works diligently to build strong claims designed to secure the compensation you deserve.

Take the First Step to Protect Your Rights in Killeen, TX

If you have been injured and want to ensure your claim is handled with professionalism and care, reach out to The Law Office of John Francis. With years of experience in personal injury law, their team will guide you through every step, from initial consultation to settlement or trial. Do not navigate this difficult process alone. Let a dedicated personal injury attorney in Killeen, TX, advocate for you.

To schedule a free consultation, call 254-778-3660 today or visit the contact page . Protect your rights and take the first step toward obtaining fair compensation with the help of trusted legal professionals in Killeen, TX.

Common Types of Cases Handled by Personal Injury Attorneys

Sat, 18 Oct 2025 17:52:27 GMT

If you’ve been injured and are seeking help, understanding the types of cases personal injury attorneys in Killeen, TX, handle can be immensely helpful. The Law Office of John R. Francis is well-versed in a variety of claims that protect your rights and help secure the compensation you deserve. Whether you’ve been hurt in a car accident, suffered a workplace injury, slipped on a hazardous property, or experienced medical negligence, knowing which types of cases fall under the expertise of personal injury attorneys is the first step toward justice. This article explores these common cases and why expert legal representation matters.

Exploring the Most Frequent Personal Injury Claims

When it comes to personal injury cases , certain types of claims tend to be more common than others, especially here in Killeen, TX. Understanding these frequent claims can help you recognize whether your situation qualifies for legal action and what kind of support you might need. Personal injury attorneys handle a diverse range of cases, each with its own challenges and requirements. From car crashes to workplace mishaps, slip-and-fall accidents, and medical errors, these common claims highlight the situations where legal expertise is often essential to securing fair compensation and protecting your rights. Below, we explore some of the most frequent personal injury claims that Killeen residents face.

Auto Accidents

Auto accidents are among the most frequent personal injury cases handled by personal injury attorneys in Killeen, TX. Whether it’s a collision with another vehicle, a pedestrian accident, or a motorcycle crash, the aftermath often involves complex liability issues, medical bills, lost wages, and emotional trauma. Attorneys can help navigate insurance claims and negotiate settlements or pursue court actions to ensure victims receive fair compensation. Having an attorney who understands local traffic laws and insurance policies can significantly improve the outcome of your case.

Workplace Injuries

Injuries occurring on the job are another significant category that personal injury attorneys manage regularly. These cases might involve construction site accidents, repetitive stress injuries, or exposure to hazardous conditions. Workers’ compensation laws can be complicated, and legal experts help injured employees file claims or challenge denied benefits, securing the support needed during recovery. Additionally, attorneys can explore third-party liability when applicable, potentially increasing your compensation options.

Slip-and-Fall Incidents

Slip-and-fall cases arise when individuals are injured due to unsafe property conditions, such as wet floors, uneven pavements, or inadequate lighting. Personal injury attorneys investigate these cases thoroughly to prove negligence on the property owner’s part, which is critical to winning compensation claims for medical expenses and pain and suffering. Prompt legal action can help preserve important evidence and strengthen your case against negligent property owners. Skilled attorneys also ensure that all legal deadlines are met, preventing your claim from being dismissed due to technicalities.

Medical Malpractice and Related Claims

Medical negligence is another area where personal injury attorneys provide vital assistance. This category includes misdiagnosis, surgical errors, medication mistakes, or failure to diagnose a serious condition. These cases tend to be complex, requiring expert testimony and detailed medical record analysis, emphasizing why skilled legal representation is essential. An experienced attorney can help you understand your rights and navigate the specialized legal standards involved in malpractice claims.

Why Legal Representation Matters in Each Type of Personal Injury Case

Navigating the aftermath of an injury can be overwhelming. Personal injury attorneys tailor their strategies based on the unique aspects and complexities of each case type. For auto accidents, they evaluate liability and damages thoroughly to maximize settlement offers. In workplace injury cases, attorneys are familiar with state laws and workers’ compensation systems, advocating for benefits that claimants might not access on their own.

Slip-and-fall cases require a detailed investigation to establish negligence, where attorneys gather evidence such as surveillance footage, eyewitness testimony, and safety inspection records. With medical malpractice claims, a deep understanding of medical procedures and standards of care is essential to challenge healthcare providers effectively. Legal experts coordinate with medical professionals to build a compelling case, ensuring that injured victims are not left to shoulder the burden alone.

Each case demands a unique legal approach, and personal injury attorneys bring the knowledge and experience necessary to guide clients through complicated legal and insurance processes. Their tailored representation ensures that injured individuals have their rights protected and financial recovery optimized. By carefully analyzing the specifics of each case, these attorneys can develop strategic plans that effectively address the challenges and maximize compensation.

Get the Legal Support You Deserve Today

From auto accidents and workplace injuries to slip-and-fall incidents and medical malpractice, having knowledgeable legal support can influence the outcome of your claim significantly. Don’t wait to seek help— reach out to the experienced personal injury attorneys at The Law Office of John R. Francis, serving Killeen, TX, to schedule a consultation and discuss your case today.

Determining Compensation for a Soft-Tissue Injury

Mon, 02 Aug 2021 19:34:49 GMT

A QUESTION OF BALANCE

Jurors on soft tissue injury jury trials tell me how hard it is to decide on the right number for damages. In a soft tissue case, like a whiplash neck injury or a strained back from a low impact car collision, the injury can be very painful and disabling in the beginning, but usually is much better within about two to six months. The effects of the arthritic damage will not become obvious until years later.

Bell County jurors want to be fair. They want to make the careless party accept responsibility for the damage caused by his/her carelessness, but jurors do not want to let someone take advantage of a relatively minor collision by getting too much. The question is how to be responsible citizens and balance the duty to compensate the injured for what they have lost/suffered with the desire to find only the amount deserved or needed.

As a lawyer who has seen hundreds of soft tissue injury cases in over 33 years, here is a method to estimate a fair verdict to compensate the honestly injured without exceeding the insurance of the responsible party (auto insurance is mandatory in Texas, so every lawsuit for an auto collision is really a lawsuit against the responsible party=s insurance company). First, calculate the amount of medical expense needed to treat the injury. Second, multiply that number by 3. Third, add in the actual lost wages, if any.

Example: Rear end collision with $1,500 in medical expense and $2,500 in chiropractor or physical therapy expense, for a total of $4,000 in treatment expenses, plus 5 days of lost wages at $150 per day, primarily for treatment visits. Under this formula the jury verdict should total about $12,750. ($4,000 treatment x 3 = 12,000 + 750 lost income = $12,750).

Out of any injury verdict in Texas the treatment providers or the health insurance carriers get paid first. Second, the lawyer will get his attorney fees, usually 1/3, plus trial expenses (all of the responsible party’s expenses and attorney fees are paid by his/her insurance company, the injured party must pay his/her own). After all these expenses, the injured person would get about 1/4 of this verdict for his/her temporary disability, pain and suffering, mental anguish, and inconvenience. With a verdict smaller than this, the injured party can end up with nothing or even in debt. CAUTION: This estimation formula is too small for permanent injuries or death.

One of the primary causes of bankruptcy is unexpected medical expense.

Liability Insurance and Dog Bite Injuries

Mon, 02 Aug 2021 19:15:59 GMT

THE FREE BITE RULE

A dog is considered a domesticated animal under the law. The standard of care that the owner of a dog owes to the public is the same as that ordinarily applied for negligence. The owner must use the same care as a reasonable person under the same or similar circumstance.

However, if the owner of the dog has knowledge that the dog has a vicious or dangerous disposition to injure persons or property, the owner is strictly liable for injuries caused by the dog except to trespassers. Similar rules have been applied to domesticated animals since Biblical times. See the rules applied by Hebrew Law to oxen, found in the set of legal principles or examples called “The Judgments” at Exodus 21:28-36.

It is often difficult to prove that a dog owner knew or should have known the dog was dangerous to persons or property. For this reason, some have sarcastically said that a dog is entitled to one free bite before the owner is put on notice that the dog is vicious or dangerous. Young children, whose faces are close to the same level as the dog’s mouth, and elderly people who are knocked down during the attack and are too weak to get back on their feet and fight back, are usually the most severely injured in dog attacks.

A business owner's commercial liability insurance or a home owner's home liability insurance policy will usually cover damages caused by the owner's dog even if the dog has gotten out and causes damage away from the owner's property.

The owner's insurance generally will pay medical bills that have accumulated at the time of settlement without your having to hire a lawyer. However, if you want the insurance company to pay reasonable pain and suffering, mental anguish, physical impairment, disfigurement, or future medical expenses for plastic surgery to reduce the dog bite scars, you probably will be forced to hire a lawyer.

The Importance of Documenting the Scene

Mon, 02 Aug 2021 19:09:56 GMT

AUTO ACCIDENT PHOTOGRAPHY

Police Officers do NOT take photos at the scene of an auto accident except when someone is killed or seriously injured and the police accident reconstruction specialist comes out to take measurements and photos. This means that some of the most important evidence to help your case is lost or not available to help you settle or win a claim against the guilty party’s insurance company. The fire department and/or wrecker driver remove the debris that marks the impact point; traffic or a good rain removes the skid marks, your car is repaired or totaled and gone with no photos of the damage; the photos the guilty party’s adjuster took got “lost,” etc.

In a recent case, we got lucky. A police officer directed my client to stop for a funeral procession. When he did, a car load of teenagers hit him from behind at a high rate of speed. My client’s father (ex-military police) arrived soon after, checked on his son, checked on the other car, then grabbed his camera and started taking pictures.

When Allstate and their pet doctor claimed at trial that this was a low impact collision that would not cause an injury, we had photos of: (1) over 40 feet of skid marks, (2) how far my client’s stopped car was pushed past the debris marking the point of impact, (3) the damage to both cars, and (4) my client’s broken driver’s seat where it had collapsed onto the back seat from the force of the impact. When the trial judge ruled that the Dad’s photos were admissible in evidence, Allstate blinked and paid their policy limit to my client. Without the photos, this case would have been a popularity contest as to who was telling the truth between my silent-type, mechanic client and Allstate’s good looking, well-spoken college student. With the photos, the jury could see for themselves who was telling the truth and who was not, so Allstate folded.

If you are in a wreck, check on who needs help, call 911, then grab your cell phone and start taking pictures. It would help me to have photos of : (1) where the vehicles stopped after the impact, (2) point of impact debris, (3) damage to the vehicles from front, back, and sides, (4) gouge marks in the pavement from the collision, (5) the road looking forward and backward to show if line of sight was clear or blocked, (6) obvious injuries, (7) relevant traffic signals, road markings, or road signs (8) anything else related to how the collision happened.

Does My Insurance Company Have My Back?

Mon, 02 Aug 2021 14:07:20 GMT

CAN YOU TRUST YOUR INSURANCE POLICY? MAYBE, MAYBE NOT

Texas auto insurance policies contain many provisions that are void and unenforceable under the law. This is because insurance companies have used their political influence to persuade the State Board of Insurance to include language in the Texas Personal Auto Policy that violates Texas law.

In Texas (and most other states) a family member has the right to collect under their auto liability insurance for injuries in an accident, even if another member of their family was driving the car and caused the accident. Yet, some Texas Personal Auto Policy for liability has language that excludes injury claims by family members against the driver, if the driver is also a family member. THIS EXCLUSION IS VOID AND UNENFORCEABLE UNDER TEXAS LAW.

Here are some other examples of void and unenforceable language contained in every auto insurance policy:

Reduction of Uninsured/underinsured motorist coverage by payments under the Personal Injury Protection coverage;
Reduction of Uninsured/underinsured motorist coverage by payments under the Medical Payments coverage;
Reduction of Uninsured/underinsured motorist coverage by payments under Workers' Compensation or disability benefits;
Reduction of Uninsured/underinsured motorist coverage by government supplied medical benefits such as Medicare.

This is not even half the list, but all I have room for in this space. If insurance companies continue to put void and unenforceable language into their auto insurance policies, how can the public know what their rights are under their auto insurance policy without talking to a personal injury lawyer?