{"id":23682,"date":"2026-11-04T21:48:56","date_gmt":"2026-11-04T21:48:56","guid":{"rendered":"https:\/\/severeinjurylawyers.com\/?page_id=23682"},"modified":"2026-11-04T21:48:56","modified_gmt":"2026-11-04T21:48:56","slug":"who-hit-me-insurance-limits","status":"publish","type":"page","link":"https:\/\/severeinjurylawyers.com\/es\/faq\/who-hit-me-insurance-limits\/","title":{"rendered":"\u00bfImporta qui\u00e9n me choc\u00f3 en un accidente automovil\u00edstico en Texas?"},"content":{"rendered":"\n<style>.jr{--gold:#F3B937;--gold-soft:rgba(243,185,55,.14);--gold-line:rgba(243,185,55,.40);--bg:#000;--panel:#121212;--panel-2:#181818;--text:#fafafa;--text-2:rgba(250,250,250,.87);--muted:rgba(250,250,250,.60);--rule:rgba(250,250,250,.09);--rule-2:rgba(250,250,250,.17);--heading:\"Montserrat\",system-ui,-apple-system,sans-serif;--body:\"Source Sans 3\",\"Source Sans Pro\",system-ui,-apple-system,sans-serif;--mono:\"JetBrains 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var(--gold);color:var(--gold);font-family:var(--mono);font-weight:700;font-size:14px;display:grid;place-items:center}\n.jq-deeper{background:rgba(243,185,55,.07);border:1px solid var(--gold-line);border-radius:12px;padding:20px 24px;margin-bottom:var(--sec)}\n.jr .jq-rel{margin-top:6px;color:var(--text-2);font-size:17px}\n.jq-rel a{color:var(--gold);font-weight:700;text-decoration:underline;text-decoration-color:var(--gold-line);text-underline-offset:3px}\n.jq-relh{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:8px 24px;margin-bottom:24px}\n.jq-all{font-family:var(--heading);font-weight:700;font-size:15px;color:var(--gold);text-decoration:underline;text-decoration-color:var(--gold-line);text-underline-offset:3px}\n@media (min-width:980px){.jq-grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:32px;align-items:start}\n  .jq-two{grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:48px}}\n@media (max-width:640px){.jq-hero{padding:calc(var(--hdr) + 24px) 0 28px}.jr .jq-hero .jf-kick{margin-top:22px}.jr .jq-by{margin-top:18px}.jq-main{padding:24px 0 var(--sec)}.jq-grid{gap:24px}\n  .jq-answer,.jq-next{padding:20px}.jr .jq-a{font-size:17px}.jr ul.jq-pts{grid-template-columns:minmax(0,1fr);gap:10px;margin-top:18px !important}.jr .jq-pts li{gap:12px;padding:16px !important}\n  .jr .jq-pts p{font-size:16px;line-height:1.55}.jq-n{flex-basis:28px;height:28px;font-size:14px}.jq-deeper{padding:18px}.jq-relh{display:grid;gap:6px;margin-bottom:16px}}<\/style>\n<div class=\"jr\" id=\"jf\"><header class=\"jq-hero\"><div class=\"wrap\"><nav class=\"jq-crumbs\" aria-label=\"Breadcrumb\"><ol><li><a href=\"https:\/\/severeinjurylawyers.com\/\">Home<\/a><\/li><li><a href=\"https:\/\/severeinjurylawyers.com\/faq\/\">Car Accident FAQ<\/a><\/li><li aria-current=\"page\">Does it matter who hit me in a Texas car accident?<\/li><\/ol><\/nav><p class=\"jf-kick\">Fault and insurance<\/p><h1>Does it matter who hit me in a Texas car accident?<\/h1><p class=\"jq-by\"><span class=\"jq-face\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/severeinjurylawyers.com\/wp-content\/uploads\/2026\/11\/matthew-graham-litigation-lawyer-300x300.jpg\" alt=\"Matthew Graham\" width=\"56\" height=\"56\"><\/span><span>Answered on video by <a href=\"https:\/\/severeinjurylawyers.com\/about-us\/matthew-graham\/\">Matthew Graham<\/a>, Managing Litigation Attorney<\/span><\/p><\/div><\/header><section class=\"jq-main\" aria-label=\"Answer and video\"><div class=\"wrap jq-grid\"><div class=\"jq-media\"><div class=\"jq-player\" data-yt=\"smALcOVXptU\"><a class=\"jf-vid\" href=\"https:\/\/www.youtube.com\/watch?v=smALcOVXptU\" data-yt=\"smALcOVXptU\"><img src=\"https:\/\/i.ytimg.com\/vi_webp\/smALcOVXptU\/maxresdefault.webp\" srcset=\"https:\/\/i.ytimg.com\/vi_webp\/smALcOVXptU\/sddefault.webp 640w, https:\/\/i.ytimg.com\/vi_webp\/smALcOVXptU\/maxresdefault.webp 1280w\" sizes=\"(min-width:1240px) 668px, (min-width:980px) 58vw, 100vw\" alt=\"Matthew Graham answers on video: Does it matter who hit me in a Texas car accident?\" width=\"1280\" height=\"720\" fetchpriority=\"high\" decoding=\"async\"><span class=\"jf-play\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" width=\"28\" height=\"28\"><path d=\"M8 5v14l11-7z\" fill=\"currentColor\"\/><\/svg><\/span><span class=\"jf-len\">1:26<\/span><\/a><\/div><div class=\"jq-ch\"><p class=\"jq-label\">Jump to a moment<\/p><ol class=\"jq-chips\"><li><a class=\"jq-chip\" href=\"https:\/\/youtu.be\/smALcOVXptU?t=0\" data-t=\"0\"><span class=\"jf-t\">0:00<\/span><span>Why who hit you matters<\/span><\/a><\/li><li><a class=\"jq-chip\" href=\"https:\/\/youtu.be\/smALcOVXptU?t=24\" data-t=\"24\"><span class=\"jf-t\">0:24<\/span><span>Company vehicles and trucks carry higher limits<\/span><\/a><\/li><li><a class=\"jq-chip\" href=\"https:\/\/youtu.be\/smALcOVXptU?t=39\" data-t=\"39\"><span class=\"jf-t\">0:39<\/span><span>Trucking insurance minimums in Texas<\/span><\/a><\/li><li><a class=\"jq-chip\" href=\"https:\/\/youtu.be\/smALcOVXptU?t=56\" data-t=\"56\"><span class=\"jf-t\">0:56<\/span><span>What an experienced firm looks for<\/span><\/a><\/li><\/ol><\/div><\/div><div class=\"jq-answer\"><p class=\"jq-label\">The short answer<\/p><p class=\"jq-a\">Yes, because the other party&#x27;s insurance sets how much you can recover. Our managing litigation attorney, Matthew Graham, uses a 2026 video to explain that a company car or a truck usually carries larger limits than a typical personal auto policy, and that knowing those rules early helps a claim.<\/p><blockquote class=\"jf-quote\"><p>\u201cThe most important thing about your new car accident case is who hit you.\u201d<\/p><footer><cite>Matthew Graham<\/cite> <a href=\"https:\/\/youtu.be\/smALcOVXptU?t=0\">at 0:00<\/a><\/footer><\/blockquote><\/div><\/div><\/section><section class=\"jq-sec alt\" aria-labelledby=\"jq-pts-h\"><div class=\"wrap\"><h2 id=\"jq-pts-h\">Key points from Matthew<\/h2><ul class=\"jq-pts\"><li><span class=\"jq-n\" aria-hidden=\"true\">1<\/span><p>How much a person hurt in a Texas crash can recover depends on the insurance carried by whoever caused it.<\/p><\/li><li><span class=\"jq-n\" aria-hidden=\"true\">2<\/span><p>Private personal auto policies in Texas must carry at least $30,000 per person and $60,000 per accident, according to Matthew Graham.<\/p><\/li><li><span class=\"jq-n\" aria-hidden=\"true\">3<\/span><p>A commercial driver such as a trucking company, grocery store, or traveling salesman in a company car likely has much higher limits.<\/p><\/li><li><span class=\"jq-n\" aria-hidden=\"true\">4<\/span><p>A Texas intrastate trucking company is required to have at least half a million dollars of liability coverage, he says.<\/p><\/li><\/ul><\/div><\/section><section class=\"jq-sec\" aria-labelledby=\"jq-detail-h\"><div class=\"wrap jq-two\"><div class=\"jq-detail\"><h2 id=\"jq-detail-h\">Why the other vehicle changes the claim<\/h2><p>Matthew Graham opens by calling the question of who hit you the most important part of a new case, and he knows it sounds odd. The reason is simple. What an injured person can recover in Texas follows the insurance held by whoever caused the crash, so the same injuries can lead to very different outcomes.<\/p><p>He contrasts a private driver with a business vehicle. A company car, a grocery store or a traveling salesman likely carries limits well above the personal minimum, and some are set by law. He also says a good lawyer reads how the crash happened and can guess the coverage, the carrier and its adjusters.<\/p><\/div><aside class=\"jq-next\" aria-labelledby=\"jq-next-h\"><h2 id=\"jq-next-h\">First steps when a business vehicle hit you<\/h2><ol><li>Photograph the other vehicle, including any company name, logo or plate, before it leaves the scene.<\/li><li>Get the driver&#x27;s name and insurance details, and ask who the driver was working for at the time.<\/li><li>Call our team early so we can work out what coverage may apply, and keep your questions coming.<\/li><\/ol><\/aside><\/div><\/section><section class=\"jq-sec alt\" aria-labelledby=\"jq-rel-h\"><div class=\"wrap\"><div class=\"jq-deeper\"><p class=\"jq-label\">Read next on our site<\/p><p class=\"jq-rel\">If a business vehicle or work truck was involved, see <a href=\"https:\/\/severeinjurylawyers.com\/practice-areas\/car-accident-lawyers\/company-vehicle-accidents\/\">the company vehicle accident page<\/a> for which businesses may answer for it and what coverage may apply.<\/p><\/div><div class=\"jq-relh\"><h2 id=\"jq-rel-h\">Related questions<\/h2><a class=\"jq-all\" href=\"https:\/\/severeinjurylawyers.com\/faq\/\">See all 23 questions<\/a><\/div><div class=\"jc-grid\"><article class=\"jc\"><div class=\"jc-img\"><img src=\"https:\/\/i.ytimg.com\/vi\/FnYN-kr3hiE\/hqdefault.jpg\" alt=\"Matthew Graham answering on video\" width=\"480\" height=\"360\" loading=\"lazy\" decoding=\"async\"><span class=\"jc-play\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" width=\"16\" height=\"16\"><path d=\"M8 5v14l11-7z\" fill=\"currentColor\"\/><\/svg><\/span><span class=\"jf-len\">0:49<\/span><\/div><div class=\"jc-body\"><h3><a href=\"https:\/\/severeinjurylawyers.com\/faq\/car-repairs-after-accident-texas-insurance\/\">Who pays for car repairs after an accident in Texas?<\/a><\/h3><p class=\"jc-by\">Matthew Graham<\/p><\/div><\/article><article class=\"jc\"><div class=\"jc-img\"><img src=\"https:\/\/i.ytimg.com\/vi\/Qs_dAJYAKT8\/hqdefault.jpg\" alt=\"Matthew Graham answering on video\" width=\"480\" height=\"360\" loading=\"lazy\" decoding=\"async\"><span class=\"jc-play\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" width=\"16\" height=\"16\"><path d=\"M8 5v14l11-7z\" fill=\"currentColor\"\/><\/svg><\/span><span class=\"jf-len\">1:50<\/span><\/div><div class=\"jc-body\"><h3><a href=\"https:\/\/severeinjurylawyers.com\/faq\/other-driver-blames-me-accident\/\">What can I do if the other driver blames me for the crash?<\/a><\/h3><p class=\"jc-by\">Matthew Graham<\/p><\/div><\/article><article class=\"jc\"><div class=\"jc-img\"><img src=\"https:\/\/i.ytimg.com\/vi\/pyy5c3lRr8o\/hqdefault.jpg\" alt=\"Matthew Graham answering on video\" width=\"480\" height=\"360\" loading=\"lazy\" decoding=\"async\"><span class=\"jc-play\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" width=\"16\" height=\"16\"><path d=\"M8 5v14l11-7z\" fill=\"currentColor\"\/><\/svg><\/span><span class=\"jf-len\">0:39<\/span><\/div><div class=\"jc-body\"><h3><a href=\"https:\/\/severeinjurylawyers.com\/faq\/help-if-i-caused-the-accident\/\">Can you help me if I caused the car accident?<\/a><\/h3><p class=\"jc-by\">Matthew Graham<\/p><\/div><\/article><\/div><\/div><\/section><section class=\"jf-close\" aria-labelledby=\"jf-close-h\"><div class=\"wrap\"><h2 id=\"jf-close-h\">Tell us exactly what hit you<\/h2><p class=\"jf-cl\">After a crash with a work truck or company car, call 1-800-INJURED and describe the vehicle, and our team will talk through the coverage that may be involved.<\/p><div class=\"jf-cta\"><a class=\"call\" href=\"tel:+18004658733\">Call 1-800-INJURED<\/a><a class=\"msg\" href=\"https:\/\/severeinjurylawyers.com\/contact-us\/\">Free case review<\/a><\/div><p class=\"jf-note\">This video and answer explain Texas law in general terms; they are not advice about your own case, and watching does not make us your lawyers.<\/p><\/div><\/section><\/div>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/severeinjurylawyers.com\/faq\/who-hit-me-insurance-limits\/#webpage\",\"url\":\"https:\/\/severeinjurylawyers.com\/faq\/who-hit-me-insurance-limits\/\",\"name\":\"Who Hit You Sets Your Insurance Limits in Texas\",\"headline\":\"Does it matter who hit me in a Texas car accident?\",\"description\":\"The driver who hit you shapes what you can recover. 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Fault and insurance Does it matter who hit me in a Texas car accident? Answered on video by Matthew Graham, Managing Litigation Attorney 1:26 Jump to a moment 0:00Why who hit you matters 0:24Company vehicles and trucks carry higher limits [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":23669,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width.php","meta":{"_seopress_titles_title":"Who Hit You Sets Your Insurance Limits in Texas","_seopress_titles_desc":"The driver who hit you shapes what you can recover. 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