Legal Question in Insurance Law in Texas

Re: mandatory insurance

your rates are not affected by no fault accidents...

Re: mandatory insurance

You can file a claim against your own policy (assuming you have personal injury protection and/or uninsured motorist protection.) These should not cause your rates to increase. Otherwise, you can file a claim in small claims court (you don't need a lawyer for this, but you can have one if you like.)

Good luck!

Re: mandatory insurance

One of the many unfortunate results of "tort reform" so vigorously pushed by Governors Bush and Perry is that insurance companies simply will not pay bodily injury damages when the property damage to the vehicle is minor. (Anything under $1,000 is consider to be "minor.") You can certainly file a claim on your own PIP and it will reimburse you for your medical bills. You could also file on your UM, but your carrier would receive a credit or "offset" for what they paid you under PIP. Additionally, your carrier would not feel your bodily injury claim is worth much (if anything) due to the very low property damage. The best advice I can give you? Vote Democrat. Until we run these corrupt Republicans out of Austin, nothing is going to change.