filed against a driver who crashed into a living room in edinburg. it happened a week ago - -today. no one was hurt. but this is what the aftermath looked like. the people living in that home - - did not have renters insurance. the driver of the truck did. but it doesn't cover everything. so where does that family go from here? heres taylor winkel . right now life is pretty chaotic for anita weaver's family-- after a truck crashed into their edinburg home.
"my grandkids are upset. it's a lot of problems. you have to look for another place to live."the driver of the truck had insurance. state law requires at minimum, insurance must cover $25- thousand dollars in property damage. in the last week, the drivers insurance company settled with weaver's daughter for 35- hundred dollars.
"that 35-hundred was just for the sofa they lost."that money doesn't replace all the smaller items that were ruined. on top of it, the family still needs to find a new place to live.
"they should have got rent or something for a month until they found something. i'm pretty sure his insurance could have paid for that."in this situation, the family has to depend on the insurance from the driver responsible for the accident, and possibly even the property owner-- because they didn't have renters insurance.
"certainly having a renters policy would have helped in this situation."abraham padron with safe guard says it's a common problem he wishes he didn't see.
"unfortunately less than 20 percent of the people out there who lease properties or who rent have insurance-- have renters insurance."he says that could be because of state laws. often times home-owners insurance is bought because it's required by the mortgage company. we buy liability car insurance because it's required by the state of texas-- but most people who rent aren't required to get a renters policy. they run anywhere from $200 to $700 dollars a year depending on what you own. and in this case, it could have paid for a hotel stay while the family figures out where to move.
"we want to indemnify you. that means we want to take you back to where you were before you had your accident."weaver says, the settlement her daughter took wasn't equal compensation for what the driver ruined-- but it's not too late for an adjustment.
"when you take a settlement and you say this is my settlement, this is it. a lot of the times an insurance company will come up and say 'here's a certain amount of money, lets take care of this.' but you can always ask for a supplement. a supplement it a change."still things could have been worse..
"my son could have easily been killed. if he hadn't come to eat breakfast with me and my dad. my son would have been sitting on the couch and he would have been dead."reporting in edinburg, taylor winkel, channel 5 news. again, charges were not filed against the driver. edinburg police tell us the accident is classified as an accident with no injuries. according to assistant chief oscar trevino, officials believe the driver was distracted but there was no evidence of him being under the influence or on drugs.