Uninsured Motorist/Underinsured Motorist Lawsuit
Legal Representation for Victims of Uninsured or Underinsured Motorists
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Even though Texas law requires all drivers to be covered by liability auto insurance, not everyone follows the law, and, even if they do, many drivers buy only the minimum requirement.
Because a large number of Texas motorists drive without insurance or are carrying only the minimum liability limits, Uninsured Motorist & Underinsured Motorist (UM/UIM) coverage is often necessary to ensure you’re able to gain a full recovery after a car crash.
If you are hit by someone who doesn’t carry insurance or who doesn’t carry enough to cover your damages, the liability insurance you have will not help you.
Our experienced lawyers understand the emotional and financial burdens associated with auto accident injuries. We are committed to helping accident victims throughout Texas and across the nation pursue compensation for their injuries.
Our legal team exhausts all options in our pursuit of justice and the best possible compensation for our clients. We will review your insurance coverage the coverage of your family members, and the coverage of the responsible party to determine the best course of action. Our goal is to maximize our clients’ insurance coverage to obtain suitable damages.
Uninsured and Underinsured Motorists
If you are hit by an uninsured or underinsured driver, there is a way you can get your medical bills and lost wages paid. If you carry uninsured/underinsured motorist (UM/UIM) coverage on your own auto policy, then you can turn to that for protection.
UM/UIM insurance covers you and any household family member riding in any car as well as any non-family members riding in your insured auto.
We will evaluate all coverage options based on the unique circumstances of your accident. These can include:
Uninsured motorist coverage
Uninsured motorist coverage (UM) is a type of optional coverage that compensates you for damages suffered in an auto accident when the at-fault driver had no insurance. It will also pay for hit-and-run accidents, so long as there was contact between the vehicles and the accident was promptly reported. UM will pay for losses including personal injuries and lost wages.
Underinsured motorist coverage
Underinsured motorist coverage (UIM) is another type of optional coverage that makes up the difference when the at-fault motorist has some coverage, but not enough to pay for all of the damages you suffered.
Uninsured motorist coverage and underinsured motorist coverage protects passengers and drivers in a number of unexpected situations, including but not limited to:
- When you are in your car or truck and are struck by a driver who does not have enough insurance
- Hit-and-run accidents if there is contact between your vehicle and another vehicle
- If you’re a pedestrian and are struck by a car or truck with a driver who lacks sufficient coverage
- If you are riding a bicycle and are hit by a vehicle with a driver who does not have enough insurance
- If you are a passenger in another car that is hit by a driver who lacks sufficient insurance
What Does Uninsured Motorist Protection Typically Cover?
- Medical expenses
- Lost income
- Pain and suffering
- Repairs for property damage
Under the terms of your UM/UIM protection, the coverage extends to you, the passengers in the vehicle, your family members and/or any individuals who were driving your vehicle with permission.
How a UM/UIM Lawyer Can Help You
Recovering benefits under your UM/UIM policy can be a complex procedure. Many times, insurance companies are reluctant to compensate you for the full value of your injuries, even though you have paid your premium for years.
You are required to bring a claim for UM/UIM benefits within a limited time period after the accident, and you must be careful about settling a claim with the at-fault driver’s insurance company if any coverage was available.
Once you have filed a UM/UIM claim, you have the burden to show that you are entitled to recover damages, and you must also justify the amount you are demanding. Even though it is your own insurance company, the adjuster will view your UM/UIM claim just as skeptically as if it were a claim from another driver. As with any claim, the insurance company’s objective is to settle your claim for as little money as possible.
Is UM/UIM Coverage Required in Texas?
Liability insurance is required in the state of Texas, but uninsured/underinsured motorist coverage is considered additional coverage. Other additional coverages that can be purchased include personal injury protection (PIP), rental reimbursement, and medical payments.
According to the Texas Department of Insurance’s regulations for automobile insurance, UM and UIM coverage carries an automatic $250 deductible. A deductible is what you have to pay before the insurance company will agree to pay for the remainder of the damage. It is important to note that the deductible must be paid in order to receive property damage coverage under this type of insurance. Paying the deductible is not required to receive bodily injury coverage.
Why The Carlson Law Firm is the Right Choice for You
Our attorneys and in-house investigators will thoroughly investigate the defendant driver and circumstances surrounding the accident to determine who the responsible party is. Once it is determined that the coverage is in place, we will begin taking steps towards the burden of proof necessary to attain the coverage.
At the Carlson Law Firm, we serve clients throughout the state of Texas and have offices in Killeen, Temple, Waco, Bryan, Lubbock, Round Rock, Austin, San Antonio, Laredo and Corpus Christi.
We devote significant time, talent, and resources to helping clients pursue justice and compensation for their traumatic injuries.
We never turn away car accident victims. We investigate claims thoroughly, using our extensive knowledge of the law and the insurance industry. Don’t let another day pass by without the guidance of a skilled attorney.
Contact one of our UM/UIM lawyers today for a free consultation. No appointment is necessary during normal business hours and bilingual staff members are available to assist our Spanish-speaking clients. Se habla español.