In the State of Texas, am I owed a comparable vehicle?…and I am the 3rd party, not first.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 26, 2012

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Insurance Question from Irving, TX

Asked on 06/26/2012

In the State of Texas, am I owed a comparable vehicle?…and I am the 3rd party, not first. NULL

Answer given on June 29, 2012

If your car was damaged in an accident and the accident was not your fault, then the insurance company for the other party is responsible for the repairs to your car. If the car is considered a total loss, the other insurance company is expected to reimburse you for the actual cash value of your car. Sometimes this is not a figure that you feel is sufficient to reimburse you for your car, but that is how the insurance works. If your car was paid for and was in reasonable shape, the actual cash value should be close to the amount it will cost you to find a comparable car. However, if you feel the amount offered is not sufficient, it is your responsibility to prove the higher value you feel you should receive. You can do this through local ads for a similar car, or internet ads. However, the internet values must be based on your area, not somewhere else in the country, since values can vary in different parts of the country.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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