Late at night, Miguel V. was heading east on Highway 151 when his pickup truck’s engine began to overheat. He needed to pull over to avoid severe damage to his vehicle, so Miguel turned on his hazard lights. Before he could pull over, another vehicle rear-ended his truck.
While he tried to blame Miguel, the other driver was clearly at fault for the collision. The police cited the driver who hit Miguel’s pickup, finding that he was speeding and distracted at the time of the crash.
Miguel Suffers Serious Back and Neck Injuries During the Rear-End Crash
The back, neck, and spine are among the most complex parts of the body. It doesn’t take much impact to damage these structures, especially at 65 miles per hour on a highway. Although his truck suffered relatively minor damage, Miguel was not as lucky. After a trip to the emergency room and multiple scans and tests, Miguel was diagnosed with bulging discs in his neck and low back, muscle spasms, soft tissue injuries, and nerve-related pain.
His severe pain limited Miguel’s daily activities and impacted his mental health. He tried to manage his symptoms, consulting with pain medicine experts and receiving chiropractic and rehabilitation services. However, even months after the crash, nothing seemed to help. Unfortunately, Miguel now owed $11,914.27 for his medical care.
“It’s better than outstanding experience, with Crosley Law, they take care of people.”
Miguel Discovers That the At-Fault Driver Was Uninsured
While the at-fault driver had given the police a Proof of Financial Responsibility form, Miguel discovered that he was actually uninsured. In Texas, a negligent driver’s insurance company is responsible for victims’ injuries. However, if the driver is uninsured or underinsured, the victim may lose out on valuable compensation.
That’s why we encourage all Texas drivers to purchase uninsured and underinsured motorist (UM/UIM) coverage. In a catastrophic car wreck, victims can quickly deplete a liability policy—especially if there are multiple people with serious, life-changing injuries. And if the negligent driver is completely uninsured, victims may receive nothing.
Crosley Law Proved Miguel’s Injuries Were the Result of the Crash
Thankfully, Miguel had $30,000 of uninsured/underinsured motorist coverage, which meant despite the negligent driver’s lack of insurance, Miguel’s claim would be covered. Instead of filing against another driver’s liability insurance, Miguel would file against his own policy. However, when it comes to insurance, things are not always as easy as they should be.
Miguel had proudly served in the Army in Afghanistan and suffered a service-related disability. Unfortunately, Miguel’s insurance company refused to cover his neck and injuries, blaming them on his time in the military. Injured, shocked, and concerned about how he was going to pay his medical and auto repair bills, Miguel turned to Crosley Law for help.
Our attorneys quickly began investigating and building his claims. Using medical evidence and their knowledge of Texas injury law, we proved that Miguel’s injuries were the result of the crash. We also negotiated with Miguel’s medical providers, convincing them to accept a discounted rate for their bills.
In less than a year, Miguel settled his uninsured motorists claim and all of his crash-related medical expenses were covered.
“It’s better than outstanding experience,” said Miguel, “with Crosley Law, they take care of people.”
Injured by an Uninsured Motorist? Call Crosley Law
If you or a loved one has been in a crash caused by an uninsured or underinsured motorist, you may have legal options. The injury lawyers at Crosley Law help victims get the compensation they deserve—and we pride ourselves on our efficiency and exceptional client experience.
The content provided here is for informational purposes only and should not be construed as legal advice on any subject.