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Responsible drivers will own their mistakes and should carry insurance to protect themselves and their passengers. We always recommend consulting with a personal injury attorney about your specific circumstance after a serious car accident.

In the best-case scenario, your driver has insurance.

You do not need permission from the driver in order to file a claim against them as their insurance company will be the ones responsible for paying for the damages they caused. However, we understand that there could be hesitation to pursue a claim and potentially sue the driver if they are someone you know personally.

There could be several reasons why someone might be hesitant to sue their driver if they were a passenger in an at-fault vehicle:

  1. Relationship with the driver: The passenger may have a personal relationship with the driver, such as being a family member or close friend. This can create emotional conflicts and make it difficult for the passenger to take legal action against someone they care about.
  2. Financial concerns: The passenger may worry about the financial implications of suing the driver. They may fear that the driver does not have sufficient insurance coverage or assets to cover the damages, which could result in a lengthy and costly legal process with little chance of recovering compensation.
  3. Loyalty and guilt: The passenger may feel a sense of loyalty towards the driver and may not want to hold them responsible for the accident. They might also experience guilt, thinking that they contributed to the accident in some way or that they should have done something differently to prevent it.
  4. Fear of retaliation: In some cases, the passenger may fear potential retaliation from the driver or their friends and family if they pursue legal action. This fear can discourage them from taking any legal steps, even if they are entitled to compensation for their injuries.
  5. Lack of awareness of their rights: Some passengers may not be aware of their legal rights and options following an accident. They may not realize that they can seek compensation for their injuries and other damages, leading to hesitation in pursuing a lawsuit.

In the worst-case scenario, your driver was uninsured.

Causing an accident while uninsured means that the driver is subject to any monetary penalties, citations, punishments, and other consequences, such as a lawsuit. Though it is possible to win these types of lawsuits, it is important to keep in mind that someone who cannot afford insurance likely does not have any money or assets to pursue. So, even if you won, compensation could be minimal.

Ultimately, it is up to the passenger to decide if their physical and financial losses are worth suing the driver or not, regardless of relationship or loyalty.

If you decide that your injuries and financial losses are too much to handle on your own, call 844-CAR-WREX to consult with an attorney. Our law firm handles hundreds of injured passenger claims every year

Collateral insurance, also known as gap insurance, is a type of coverage that protects you financially in the event of a total loss or theft of your vehicle. It covers the difference between the actual cash value of your car and the amount you owe on your auto loan or lease. It does not cover any damages you may cause to other property or personal injuries.

How Does Collateral Insurance Work?

To understand how collateral insurance works, let's consider an example. Imagine you purchased a brand-new car for $30,000 and took out a loan to finance it. A few months later, unfortunately, your car gets stolen and is never recovered. At the time of the theft, you still owe $25,000 on your auto loan.

Without collateral insurance, your standard car insurance policy would only cover the actual cash value of the car at the time of the theft. However, due to depreciation, the actual cash value might be significantly lower than what you owe on your loan. This means you would still be responsible for paying off the remaining $25,000 even though you no longer have the car.

This is where collateral insurance comes into play. If you have this coverage, it will bridge the gap between the actual cash value and the outstanding loan balance. In our example, if the actual cash value of your stolen car is determined to be $20,000, collateral insurance would cover the remaining $5,000, ensuring that you are not left with a hefty loan balance to repay.

Is Collateral Insurance Necessary?

While collateral insurance is not legally required like liability insurance, it can provide valuable protection for car owners, especially those who have financed their vehicles. If you have a car loan or lease, collateral insurance can offer peace of mind by safeguarding your financial interests in the event of a total loss or theft.

How Can You Obtain Collateral Insurance?

Collateral insurance is typically offered by car insurance companies as an optional add-on to your existing policy. It's important to note that not all insurers provide this coverage, so it's worth checking with your insurance provider to see if they offer collateral insurance and what the terms and conditions are.

Understanding Disability Income

Before delving into the impact of settlements, let's first clarify what disability income entails. Disability income refers to financial assistance provided to individuals who are unable to work due to a qualifying disability. This assistance can come from various sources, such as Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI).

Impact of Settlements on Disability Income

When it comes to settlements, the effect on disability income depends on the specific type of benefit you receive.

1. Social Security Disability Insurance (SSDI)

If you are receiving SSDI benefits, a settlement generally does not affect your monthly payments. SSDI is based on your work history and contributions to the Social Security system. Therefore, any settlement you receive should not impact your eligibility or the amount you receive in SSDI benefits.

However, it is worth noting that if you receive a large lump sum settlement, the Social Security Administration (SSA) may consider it as income for the month in which you receive it. This could potentially affect your SSI benefits if you also receive them.

2. Supplemental Security Income (SSI)

Unlike SSDI, SSI is a need-based program that provides financial assistance to disabled individuals with limited income and resources. If you receive SSI benefits and receive a settlement, it can affect your eligibility and the amount you receive.

The SSA considers any income or resources you have when determining your SSI eligibility and payment amount. This includes settlements. If you receive a settlement, it is crucial to report it to the SSA promptly. Failure to do so may result in overpayments and potential penalties.

The settlement amount will be evaluated by the SSA, and they will determine how it affects your SSI benefits. In some cases, the settlement may result in a reduction or suspension of your SSI payments until the funds are appropriately spent.

Seek Professional Advice

Navigating the complexities of disability income and settlements can be challenging. It is always advisable to consult with a qualified attorney or disability advocate who specializes in these matters. They can provide personalized guidance based on your specific circumstances and ensure you make informed decisions.


In Texas, the impact of a settlement on disability income depends on whether you receive SSDI or SSI benefits. While SSDI benefits are generally unaffected by settlements, SSI benefits can be impacted. It is crucial to report any settlements promptly to the SSA and seek professional advice to understand how it may affect your eligibility and payment amount.

Remember, this blog post provides general information and should not be considered legal advice. Each case is unique, and consulting a professional is essential to address your specific situation.

What does Med Pay cover?

Medical Payments coverage is always in effect for the policyholder, regardless of their mode of transportation. Whether you are walking, riding in a friend's car, or using public transportation, MedPay remains active. However, it is important to note that certain exclusions may apply based on your insurance provider and policy terms. MedPay may help pay for the following expenses:

What's the difference between PIP and MedPay?

Personal Injury Protection (PIP) is similar to MedPay in that it helps cover medical expenses for you or your passengers after a car accident, regardless of fault. However, there are three key distinctions between these two types of coverage.

  1. PIP helps cover medical expenses and other types of expenses such as lost wages, child care costs, or essential services due to your injuries after a car accident. MedPay does not.
  2. PIP is sometimes required, and sometimes optional, depending on state law. Medical payments insurance is always optional. Texas requires that auto insurance companies, at the very least, offer PIP and UM/UIM when selling liability insurance.
  3. MedPay is only available in states that do not have PIP.

How does MedPay work if I already have health insurance?

Covering this topic can be challenging as it varies based on your health and auto insurance policies. Initially, Med Pay coverage limits are typically low since they aim to cover immediate medical and funeral expenses or complement other insurance types.

Coverage may overlap so it may depend on how your health insurance policy is structured.

Check with your auto insurance company and ask if MedPay works as primary coverage in an auto accident. If it does, you would pay your medical bills upfront and ask your MedPay carrier for reimbursement. You won't have to pay for deductibles or copays, which are typically associated with health insurance.

If your MedPay is considered secondary coverage, then your health insurer would pay for the majority of your medical bills. You could use MedPay to cover your deductibles or copays.

Medical Payments Coverage Limits

There are limits to the amount your insurer will pay for a covered loss. You can choose your limit when you buy coverage. The minimum and maximum amounts available depend on your auto insurance carrier and how much insurance you can afford. Keep in mind that any medical expenses that exceed your coverage limit are your responsibility.

Insurance companies often ask questions that have hidden legal implications or try to manipulate your answers to make it seem like you weren't hurt. They may even try to shift the blame onto you. It's important not to disclose anything about your injuries to the insurance companies until you have consulted with an attorney.

We've seen this numerous times with people who try to handle their car accident cases on their own.

When you've suffered serious injuries, it's crucial to undergo a thorough medical evaluation and receive proper treatment to prevent or minimize long-term effects. The insurance companies are counting on your fear of high medical costs to discourage you from seeking the necessary treatment so they can avoid paying. Even your own insurance company will prioritize protecting its bottom line over providing a legitimate payout.

A personal injury attorney is your best defense and offense when you've been injured through no fault of your own. Our attorneys will assist you in obtaining the medical treatment you need and safeguarding your legal rights. Best of all, we work on a contingency fee basis. This means that you won't pay any attorney fees or expenses unless we win your case.

Stanley and Associates are here to help and guide you throughout the entire process. We fight for the policy limits for all our clients. Contact us at 844-227-9739 to schedule your free consultation today!

Accidents happen, and one of the most common mishaps is slipping and falling. Whether it occurs on a wet floor, icy pavement, or an uneven surface, a slip-and-fall incident can be both embarrassing and painful. However, it's important to know how to handle such situations to ensure your safety and protect your rights. Let's review the necessary steps to take if you find yourself in this unfortunate situation.

1. Assess Your Injuries

The first thing you should do after slipping and falling is to assess your injuries. Take a moment to check if you are hurt and determine the severity of any pain or discomfort. If you are seriously injured or experiencing intense pain, it is crucial to seek immediate medical attention. Call for help or ask someone nearby to assist you.

2. Stay Calm and Gather Information

Remaining calm is essential in any accident scenario. Take a deep breath and try to compose yourself. Once you feel ready, gather as much information as possible about the incident. This includes noting the exact location, time, and date of the fall. If there were any witnesses present, ask for their contact information. Their statements may prove valuable later on if you need to file a claim or report the incident.

3. Report the Incident

If you slipped and fell on someone else's property, report the incident to the property owner, manager, or supervisor immediately. Provide them with a detailed account of what happened and request that they document the incident in writing. Be sure to obtain a copy of this report for your records. Reporting the incident promptly helps establish a clear timeline and ensures that the responsible party is aware of the situation.

4. Document the Scene

If possible, take photos or videos of the area where you slipped and fell. Visual evidence can be crucial in supporting your case later on, especially if there were hazardous conditions that contributed to the accident. Capture any visible defects, spills, or other factors that may have caused your fall. Additionally, make a note of any warning signs or lack thereof in the vicinity.

5. Seek Legal Advice

Depending on the severity of your injuries and the circumstances surrounding the incident, you may want to consult with a personal injury attorney. They can provide guidance on whether you have a valid claim and help you navigate the legal process. An experienced attorney will ensure your rights are protected and assist you in seeking compensation for medical expenses, lost wages, and pain and suffering, if applicable. Call 844-227-9739 to see if your case qualifies for legal representation.

6. Follow Up on Medical Treatment

Even if your injuries seem minor at first, it is essential to follow up with medical treatment. Some injuries may not manifest immediately, and delaying medical attention could worsen your condition. Keep all medical records, bills, and receipts related to your treatment, as they will be important when pursuing a claim.


Slipping and falling can be a distressing experience, but knowing how to handle the situation can make a significant difference. By following these steps – assessing your injuries, staying calm, gathering information, reporting the incident, documenting the scene, seeking legal advice if necessary, and following up on medical treatment – you can protect yourself and ensure that your rights are upheld. Remember, safety should always be a priority, and taking the appropriate actions after a slip and fall incident is crucial for your well-being.

1. Seek Medical Attention

Your health and safety should always be your top priority. Even if you don't feel any immediate pain or discomfort, it's crucial to get checked out by a medical professional. Some injuries may not manifest symptoms right away, and early detection can prevent complications down the line. Additionally, having a medical record of your injuries will be essential if you decide to pursue a personal injury claim.

2. Gather Information

Collect as much information as possible about the accident. This includes the names, contact details, and insurance information of all parties involved, including the driver of the at-fault vehicle. Take photos of the accident scene, the damage to the vehicles, and any visible injuries you may have sustained. These pieces of evidence will be valuable when filing an insurance claim or seeking legal action.

3. Report the Accident

Notify the police about the accident, even if it seems minor. A police report will provide an official record of the incident, which can be useful for insurance purposes and potential legal proceedings. Cooperate fully with law enforcement and provide them with accurate and detailed information about what happened.

4. Contact Your Insurance Company

Inform your insurance company about the accident as soon as possible. Provide them with all the necessary details and follow their instructions regarding the claims process. Remember that your insurance policy may cover medical expenses and other damages, even if you were a passenger in an at-fault vehicle.

5. Consult with an Attorney

Consider consulting with a personal injury attorney who specializes in car accidents. They can provide you with expert advice on how to navigate the legal process and protect your rights. An attorney will help you understand your options, negotiate with insurance companies, and potentially file a lawsuit if necessary.

6. Document Your Expenses

Keep track of all expenses related to the accident, including medical bills, transportation costs, and any other out-of-pocket expenses. This documentation will be crucial when seeking compensation for your damages.

7. Understand Your Legal Rights

Educate yourself about your legal rights as a passenger in an at-fault vehicle. Depending on the circumstances, you may be entitled to compensation for medical expenses, pain and suffering, lost wages, and other damages. Consulting with an attorney will help you fully understand your rights and options.


Being a passenger in an at-fault vehicle can be a challenging situation, but knowing what steps to take can make a significant difference in protecting your rights and obtaining the compensation you deserve. Remember to prioritize your health, gather evidence, report the accident, and seek professional guidance throughout the process. By following these guidelines, you can navigate this difficult situation with confidence and ensure a smoother road to recovery.

Don't let a car accident ruin your life. Call 844-CAR-WREX today to schedule a free consultation with one of our personal injury lawyers. We'll fight for your rights and help you get back on the road to recovery.

Defining Disputed Liability

Disputed liability refers to a situation where the parties involved in a car accident cannot agree on who is at fault. It occurs when both drivers have conflicting accounts of the events leading up to the collision. This disagreement often leads to a legal dispute, as each party seeks to prove their version of the story and hold the other party accountable.

Factors Contributing to Disputed Liability

Several factors can contribute to disputed liability in car accident cases. These include:

  1. Conflicting witness statements: When witnesses provide different accounts of the accident, it can create uncertainty about who is truly at fault.
  2. Lack of evidence: If there is insufficient evidence, such as video footage or photographs, it becomes challenging to establish liability definitively.
  3. Differing police reports: Sometimes, the police report may not accurately reflect the details of the accident, leading to discrepancies between the involved parties' versions of events.
  4. Disputed traffic laws: Interpretations of traffic laws can vary, causing disagreements about who had the right of way or who violated specific rules.

Impact on Car Accident Cases

Disputed liability can significantly impact the outcome of a car accident case. Here are a few ways it can influence the legal process:

  1. Lengthy legal proceedings: Resolving disputed liability often requires extensive investigation and legal proceedings, which can prolong the resolution of the case.
  2. Increased costs: The longer a case is disputed, the higher the legal costs can become. This includes expenses related to gathering evidence, hiring expert witnesses, and court fees.
  3. Insurance complications: Insurance companies may be hesitant to settle a claim when liability is disputed. They may conduct their own investigations or even deny coverage until fault is determined.
  4. Shared fault determination: In some cases, both parties may be found partially at fault for the accident. This can impact the amount of compensation awarded and potentially reduce the overall recovery.

Resolving Disputed Liability

To resolve disputed liability in a car accident case, several steps can be taken:

  1. Gather evidence: Collect as much evidence as possible, including photographs, witness statements, and police reports, to support your version of events.
  2. Consult with an attorney: Seek legal advice from an experienced personal injury attorney who can guide you through the process and help build a strong case. Call 844-CAR-WREX for a free consultation today.
  3. Negotiate or mediate: Consider alternative dispute resolution methods, such as negotiation or mediation, to reach a settlement without going to trial.
  4. Proceed to trial: If all attempts to resolve the dispute fail, the case may proceed to trial, where a judge or jury will determine liability based on the presented evidence.

In the end...

Disputed liability can complicate car accident cases, prolonging the legal process and increasing costs. It is crucial to gather evidence, consult with an attorney, and explore alternative dispute resolution methods to reach a fair resolution. By understanding the concept of disputed liability and taking appropriate steps, individuals involved in car accidents can navigate the legal system more effectively and seek the compensation they deserve.

Commercial policies are insurance policies that are purchased by businesses to protect themselves from liability in case of accidents or injuries that occur on their premises or as a result of their operations. For example, if you slip and fall in a grocery store, the store's commercial policy would cover your medical expenses and any other damages you may have suffered as a result of the accident.

On the other hand, non-commercial policies are insurance policies that individuals purchase to protect themselves from liability in case of accidents or injuries that they may cause. For example, if you are driving your car and you accidentally hit someone, your non-commercial policy would cover the damages and medical expenses of the person you hit.

So, what are the differences between commercial policies and non-commercial policies when it comes to personal injury law?

One of the main differences is who is covered under the policy. Commercial policies only cover the business and its employees, while non-commercial policies cover the individual who purchased the policy and anyone else who may be driving their vehicle at the time of the accident.

Another difference is the amount of coverage provided by the policy. Commercial policies tend to have higher limits of coverage than non-commercial policies, as businesses typically have more assets to protect. Non-commercial policies, on the other hand, may have lower limits of coverage depending on the individual's financial situation.

Finally, the process for filing a claim and receiving compensation may differ between commercial and non-commercial policies. With commercial policies, the injured party may need to go through the business's insurance company to file a claim and receive compensation. With non-commercial policies, the injured party would file a claim with their own insurance company.

In conclusion, understanding the differences between commercial policies and non-commercial policies is important when it comes to personal injury law. If you have been injured due to the negligence or intentional actions of another party, it's important to know which type of policy may be involved in your case and how it may affect your ability to receive compensation for your damages.

Think you might have an injury case? Call 844-227-9739 for a free consultation.

After filing a police report, review it carefully and make note of any errors or inaccuracies. If there are mistakes, contact the police department and request that they amend the report. Be sure to provide any evidence you have to support your claim.

If the police department refuses to make changes to the report, don't panic. You still have options. Contact an experienced personal injury lawyer who can help you navigate the legal system and fight for your rights. They can gather evidence, interview witnesses, and build a strong case on your behalf.

Can my lawyer have the police report changed for me?

No, your lawyer cannot change the police report for you in a car accident case.

The police report is an official document that is created by the responding officer(s) based on their observations and investigation of the accident scene. It is considered a legal record and altering it would be illegal and unethical. However, your lawyer can review the police report and challenge any inaccuracies or inconsistencies in it through the legal process.

At Stanley & Associates, we have a team of skilled lawyers who specialize in car accidents and personal injury law. We understand how stressful this situation can be, and we're here to help. Call us today at 844-227-9739 to schedule a free consultation and learn more about how we can assist you. Don't wait - let us fight for the compensation you deserve.

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Note: An attorney-client relationship is not formed when calling the number on this site or filling out a form. By submitting your information, you are not entering into a contract with Stanley & Associates, or its attorneys, nor does the firm promise to accept  your case or guarantee any results as it pertains to the outcome of your case.
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