Reno, TX Personal Injury Law Firms & Lawyers

You have not given near enough information for an attorney to answer your question. What you recover will likely be limited to the amount of liability coverage the drunk driver has (you say he has the maximum. I wasn't aware there was a maximum, but I assume it must exceed $1,000,000.00, or it is less then maximum), plus possibly any underinsured coverage you or your driver may have. How much you can get up to the insurance coverage depends on how severe your injury is, whether it is permanent, and if it is permanent, how it will affect your life in the future.

I hope you have been able to find an answer to your question by now.  If you are the at fault driver, you can make a claim for your PIP (&/or MedPay) benefits for reimbursement of your medical costs and/or reimbursement of your lost wages at 80% (PIP only).  These coverages are considered "no fault" so they're yours to claim whether or not you are the at-fault party.  You are not entitled to benefits under your uninsured/underinsured motorist coverage if you are the at-fault party.

There are several things that you need to do including seeking medical treatment to understand the type of injuries that you have. Plus, upon evaluation, a doctor may determine if you will need some continued treatment to return you to the medical status you were just prior to the accident. There are also some other steps that you will need to take with the insurance companies. When it comes to dealing with the insurance companies, you should really seriously consider calling my office and hiring us to handle the insurance company and help guide your in this process. Don't let the insurance company take advantage of you!