Kasandra M. got a call that no parent wants to receive. She awoke to a voicemail from her ex-husband, telling her that he and her daughters were involved in a high-speed, head-on collision. Both of the girls suffered injuries in the crash.
Her ex-husband, while not at fault for the crash, was driving without auto insurance and on an expired license. Overwhelmed, Kasandra knew she needed help.
After Causing a Wrong-Way, Head-On Collision, the Driver Fled the Scene
Kasandra’s daughters, Kasidy and Danyel, were in their father’s vehicle heading south on Highway 281 in San Antonio when they noticed a car driving the wrong way at a high speed. Unable to avoid a collision, the vehicles struck head–on, wrecking both cars and injuring the girls.
To make matters worse, the occupants of the wrong–way vehicle fled the scene on foot, and police could not locate them. Kasandra’s ex-husband also did not have auto insurance.
With her daughters in the emergency room, Kasandra didn’t know how she’d pay their medical bills. She comments, “There was no insurance on either side, so it was hard for me to find out what to do next, how to get them the treatment that they needed.”
RELATED: What to Do if You’re Hit by an Uninsured Driver
Crosley Law Helps Kasandra Find Coverage for Her Daughters
In Texas, about 14% of drivers are uninsured. To protect yourself, it’s always a good idea to get UM/UIM coverage, which steps in when an at-fault driver is underinsured or lacks insurance. Importantly, when you purchase uninsured motorist insurance, it typically covers you, immediate family members that live with you, and anyone riding with you.
However, Kasandra wasn’t sure whether her UM/UIM policy applied under these circumstances. While the girls didn’t have permanent injuries, they did need medical care. She worried that because her ex-husband violated Texas laws by operating a vehicle without insurance and a license, they didn’t have a right to compensation.
Thankfully, Kasandra turned to Crosley Law.
RELATED: 4 Ways Your Child’s Car Accident Claim Is Different — And How This Impacts Their Case
Our attorneys investigated Kasidy and Danyel’s claims, reviewing medical records, crash reports, and Kasandra’s insurance policy. Then, we quickly put Kasandra’s mind at ease.
Because the girls lived with Kasandra, they were covered by her uninsured motorist policy. Our team was confident that the policy’s exclusions and limitations did not apply to Kasidy and Danyel’s situation – and we promptly filed claims with the insurance company.
The insurance company agreed to settle both claims. While the settlements were relatively modest, they covered Kasidy and Danyel’s medical bills and emotional damages.
“Kasandra notes, ‘I wasn’t expecting a lot – and we didn’t get a million dollars. But, it was a good settlement for the girls when they come of age.’”
Crosley Law Fights to Get Victims the Compensation They Deserve
Have you or a loved one been injured in a car crash? Crashes involving hit and runs, insurance concerns, and minors can be complicated and confusing. If you’re unsure what to do after a collision, contact the experienced attorneys at Crosley Law. Call us today at 210-LAW-3000 | 210-529-3000 or complete this brief online contact form to schedule your free consultation.
Facts + statistics: Uninsured motorists. (2019, September). Insurance Information Institute. Retrieved from https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
The content provided here is for informational purposes only and should not be construed as legal advice on any subject.