Texas Personal Injury Attorney: You Pay Insurance Premiums, So Why Not Get What You Paid For?

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Under Texas law, drivers are required to carry liability insurance so that they can be held financially accountable for the accidents they cause. The minimum amount of liability coverage that a driver is required to purchase is $30,000 per person, $60,000 per accident, and $25,000 for property damage – commonly referred to as 30/60/25 coverage. This is why – when you are injured by someone – you can sue them with the help of a Texas personal injury attorney and demand to be compensated for your injuries and any other losses you might have suffered.

How to Get the Compensation You Deserve with The Help of Your Texas Personal Injury Attorney

When you file a personal injury claim with the at-fault driver’s insurance company, a claims adjuster will investigate your case and determine the following things.

  •       Whether the injuries and other losses you suffered are covered under the at-fault party’s insurance policy
  •       Whether the tangible and intangible losses you suffered as extensive as you claim

After investigating your claim, the adjuster will come up with a damage report, which usually includes the compensation they are willing to offer you. This is the stage at which your Texas personal injury attorney can start negotiating with the adjuster.

The Negotiation Process

Nine out of ten times, the compensation offered by the insurance adjuster is likely to be much lower than the actual value of your claim. So, your Texas personal injury attorney has to negotiate with the adjuster and try to convince them that you deserve more compensation than what they are willing to offer.

It should be noted that the adjuster will aggressively defend their position and argue that you do not deserve a penny more than what they are willing to offer you. So, your Texas personal injury attorney should also be equally aggressive and do not settle for anything less than what you deserve.


If the adjuster is not willing to pay the compensation you deserve, your Texas personal injury attorney can choose to take your case to trial. During the litigation process, both parties will be given an opportunity to present their evidence and make their arguments. After considering the evidence presented, the judge or jury will decide the amount of compensation that the insurance company should pay you.

Damages Your Texas Personal Injury Attorney Can Seek from the At-Fault Party

Tangible Damages


  • Medical expenses
  • Rehabilitation expenses
  • Cost of long term care
  • Lost income
  • Loss of earning capacity or diminished earning capacity
  • Property damage

Intangible Damages

  • Pain and suffering
  • Permanent or irreparable disfigurement
  • Physical and/or cognitive disability
  • Loss of consortium
  • Diminished quality of life

Choose the Right Texas Personal Injury Attorney to Get the Compensation You Deserve

At Kirk Law Firm, we know how aggressive insurance adjusters can be while negotiating a settlement. We can gather all the evidence needed to support your claim, counter their arguments, and recover the compensation you are entitled to – through negotiation or litigation.

Led by Dana G. Kirk – who is rated as one of the top 100 trial lawyers in the country and a part of the exclusive Multi-Million Dollar Advocates Forum – our firm can provide you with aggressive, high-quality legal representation that can deliver the results you want.

Call us today at 713-651-0050 or write to us online for a free review of your case by one of our personal injury attorneys. 

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