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Daniel David Horowitz III
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Daniel Horowitz’s Answers

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  • A child is excluded from parents’ auto policy but involved a motor vehicle accident at fault

    My college son is excluded from my auto policy because he lives in a school dorm. He drove my car while he was absent from a college during the school break. He struck the other car at his fault. My auto insurance refuses to pay the loss because m...

    Daniel’s Answer

    Depending on the policy you may or may not have an argument. File a complaint with the Texas Department of Insurance and contact Texas Watch and tell your story.

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  • How can I make sure all future medical procedures, lost wages, and rehabilitation for my whiplash will be covered by insurance?

    I was rear ended at a red light. The other driver claimed total responsibility. I will have to go to a chiropractor for sessions to address whiplash. I am a contractor so I will be losing wages due to this accident.

    Daniel’s Answer

    You can't. The other driver's insurance could care less about your concerns. The other driver has no control over what his insurance will pay for. You are also limited by the amount of insurance coverage the other driver has. I would approach it with the expectation of getting nothing. In the meantime, file claims on your own PIP, health and/or disability insurance and seek the help of a qualified personal injury attorney.

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  • Can I still get a personal injury lawyer? What should I do?

    I recently posted about getting into a car accident and how a friend of mine suggested getting a personal injury lawyer. We found out that the insurance on our vehicle is liability and was told it would not cover or vehicle or anything. Should...

    Daniel’s Answer

    Whether you have liability insurance or full coverage on your vehicle has no factor on whether you or your family/friends need an attorney. If the other driver is at fault, you have the ability to make a claim against the other person's insurance. Now if the other driver doesn't have insurance, then it does make a difference if you only have liability. In this situation, you're stuck waiting on the other driver's insurance to pay to fix/total your car, pay for a rental, etc. It's probably worth speaking with an attorney. Just make sure the attorney doesn't ask for a retainer or consultation fee in this situation.

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  • Can I get more money for the boys from the insurance companies than they are offering?

    On March 3 my daughter was killed in a auto accident. She was the passenger and her friend was the driver. It was a single car crash, they went off the road and hit a tree and we're killed instantly. Both were wearing their seat belts. She left ...

    Daniel’s Answer

    First, I'm sorry to hear about the passing of your daughter. Unfortunately, unless the driver of the car has assets, the policy limits of his insurance and the underinsured coverage is likely all their is. However, if the vehicle they were in is still around, you might speak to an attorney who specializes in products liability to see if there's a potential claim against the car manufacturer.

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  • 24 hours after car accident I'm feeling numbness in my hand plus my girlfriend is having problem with elbow. What do I do next?

    I was driving with my girl friend in the passenger seat when I was hit from behind. I exchange info with other driver and felt OK at the time, as did my girl friend. His insur company call that night and let me know some would be calling the next...

    Daniel’s Answer

    This is one of the few times where my answer will be "hire a board certified personal injury attorney." Numbness is a sign of a serious spine problem. Specifically a large herniated disc pressing on the nerve root.

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  • What recourse do I have to get their insurance company to take full responsibility?

    I was leaving a Walgreens parking lot and a young 18 yr teenage girl hit my Mercedes Benz it was totally her fault; She just backed up backed pretty fast said that she didn't see me. She is not a driver on the policy insurance information she prov...

    Daniel’s Answer

    Welcome to the world of insurance. This is their game. File a complaint with Texas Department of Insurance and then file on your full coverage if you have it. Otherwise you'll need to sue them in small claims court.

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  • Should I retain a personal injury attorney to get the incident report and any of the lost wage difference between workers comp

    I was working in Emporia KS. The hotel I was staying at did not spread de icer following a sleet/freezing rain event. I slipped and fell breaking my left wrist. When I reported the incident the manager said she had caked someone to de ice the prop...

    Daniel’s Answer

    Try to find a lawyer in Kansas to speak with.

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  • If an airbag does not deploy and causes death, is this something that I can take to court? Also, is there a time limit as to how

    My father was killed in a car accident and the airbag did not deploy and he died. He was drinking and did hit a tree.

    Daniel’s Answer

    If the vehicle was a GM, it might possibly be part of the recalls.

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  • What are my Legal options

    In august of 2015 i was hurt in a work place accident, My wrist was fractured, several nerves were damaged, and i had a damaged tendon. Surgery was performed and i was on worker comp at 70% of my pay, when i was able to return to work i was put on...

    Daniel’s Answer

    Sorry to hear this. As for the workers comp claim, there's likely nothing that can be done because of the way the comp system is now in Texas. You might speak to a personal injury attorney to see if there's a possible "third party" claim that can be made. If you want to raise awareness, you should contact OSHA to let them know about the unsafe workplace. You should also contact the Texas Tribune and Texas Watch. The Tribune has been running some very impressive articles in the last year exposing the hazards in Texas workplaces.

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