San Antonio Car and Truck Accident Lawyers

Third Party Liability

Texas law requires all State drivers to have minimum liability insurance coverage, which only covers up to $25,000 for property damage; only $30,000 per person for bodily injuries; and a maximum of $60,000 for injuries for the entire accident. This is the basic legal requirement for all Texas drivers, which is not much. However, every policy is different and it is not uncommon for drivers to have larger insurance policies.

First Party, Uninsured / Underinsured Motorist Claim

It is also not uncommon for an individual to be hit by a driver who a) does not have insurance, or b) does not have enough insurance to cover all of the resulting injuries and damages. For example, the Texas OLV system, TexasSure, posted data showing that as of August 29, 2016, 13.61 percent of all vehicles in the State were uninsured! This is where Underinsured/Uninsured Insurance (UM/UIM) comes into play.

At the costs of higher premiums, many individuals elect to purchase Uninsured/Underinsured Insurance (UM/UIM). Most UM/UIM insurance policies will provide insurance protection for bodily injuries in the range of $30,000 to $500,000, depending on the premiums paid. Unfortunately, filing an injury claim with your own insurance company is more difficult than it should be, even when it is only to recover the benefits that you paid for, and that was promised to you.

The Texas Supreme Court has come out with recent case law that overly protects insurance companies by limiting the rights of injured claimants. Many times, filing a lawsuit is necessary in order to recover the benefits of your own UM/UIM insurance.

Personal Injury Protection / Med Pay

In exchange for higher premiums, individuals can also elect to have PIP insurance. PIP stands for personal injury protection, and it is an extension of your car insurance that will cover medical expenses and, in many cases, lost wages—no matter who was at fault for the collision. PIP coverage usually ranges from $2,500 to $10,000 depending on the premiums paid.

Property Damage Claims

Property damage claims are separate from bodily injury claims. If your car was damaged in a car collision, you should be entitled to reimbursement for the repair costs, or the fair market value of the vehicle if it was deemed a total loss. We do not collect attorney fees for recovering your property damage. Call (210) 735–2233 for more information.

Recovering Compensation

When another driver fails to follow the basic rules of the road, and causes physical injury to another that individual is responsible for the harm. Our jury system allows for the recovery of damages to repair the harm when it can be repaired, and help and support the injured victim as they try to cope with loss of health or loss of the life and support of a loved one. The following are examples of the types of legal damages we seek to recover from the responsible party:

• Property Damage and Out of Pocket Expenses
• Past and Future Medical Expenses
• Past and Future Wage Loss
• Past and Future Pain & Suffering
• Past and Future Mental Anguish
• Past and Future Physical Impairment

How Our Approach to Trial Advocacy Serves Our Clients

Trial is often daunting for the injured plaintiff. In the past three decades, insurance companies and big corporate interests have spent billions on a remarkable propaganda campaign against injured people and the lawyers that represent them. This campaign has been so effective that across the country jurors view personal injury cases, and the lawyers who bring them, with suspicion or even hostility.

However, at the Kemmy Law Firm, our decades of trial experience have proven that when we show juries that a violation of basic community safety rules has caused unnecessary harm to a person in their community, the jury will often respond with a just and fair verdict. That is why, even though most cases settle, we develop each case as if it will go to trial. We work to uncover the full story: what safety rules were broken? By whom? And how was the client harmed as a result?

Our Experience & Record

Our team has decades of trial experience. For over 30 years, Tom Kemmy has successfully represented injured individuals and families who have lost life and limb, as well as small business owners cheated out of money. He is a board-certified trial lawyer.

Nicholas Kemmy and Jacob Kemmy are former prosecutors for Bexar County and have tried dozens of cases to juries. Ben Kemmy has first-chaired civil jury trials across Texas: from Houston to San Antonio, from Dallas to Brownsville. Danny Kemmy has done trial work from the time he became licensed, including giving the opening statement and participating in a two-week trial that resulted in a 14-million-dollar verdict.

We believe our successes over the years are the result of our collective experience – and our team approach that prepares each case for trial even if it is likely to settle.