Auto accidents happen across Texas every second of every day. Some involve minimal injuries while others involve larger or more catastrophic injuries, including death. Under Texas law, all drivers are required to have auto liability insurance. This means that the at-fault party needs to have insurance to pay you for those injuries and any property damage they caused.  Following an accident, however, many insurance companies attempt to deny coverage or liability for their insureds. They may deny based on an excluded driver, the owner of the policy did not give permission to the driver, underage driving, and the list goes on.  Knowing your rights and how to proceed against them ensures claims are not wrongfully and fraudulently denied, justice is served, and you receive a fair and justified monetary settlement.