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How Can a Lawyer Help Me After an Accident With an Uninsured Driver?

Posted on in Car Accidents

Texas uninsured driver accident lawyerFollowing a car accident, victims can experience a number of difficulties that may affect their finances, their health, and their overall well-being. Even if a collision seemed to be fairly minor, it may have resulted in thousands of dollars worth of damage to a vehicle, as well as injuries that required costly medical care. The insurance policy of the driver who was at fault for an accident will usually cover some of these costs. However, in accidents caused by uninsured or underinsured drivers, victims may be unsure about their options for addressing their expenses. Fortunately, an experienced attorney can assist with these issues and make sure a person receives the proper insurance coverage, or they may help victims pursue compensation from other sources.

Uninsured/Underinsured Motorist Coverage

If an at-fault driver was uninsured, or if their insurance policy was unable to fully cover the extent of a victim’s damages, a person may receive coverage under their own insurance policy. In Texas, all liability insurance policies are required to include uninsured/underinsured motorist coverage. At minimum, the amounts of this coverage must be equal to the limits for liability insurance. The Texas Transportation Code states that the minimum coverage amounts are $30,000 for the bodily injury or death of one person, $60,000 for injuries or deaths of two or more people, and $25,000 for property damage or destruction. A person may also purchase additional coverage above these policy limits, allowing them to receive more compensation if they are injured by an uninsured driver.

Uninsured motorist (UM) coverage will be available in situations where a driver who caused a collision had no liability insurance policy. Uninsured motorist (UIM) coverage will address cases where the at-fault driver had insurance, but their policy did not fully cover a victim’s expenses related to injuries or property damage. In these cases, a person may receive the maximum amount of coverage under the at-fault driver’s policy, as well as additional coverage under their own policy, up to the policy limits. 

For example, if the total expenses for a person’s medical treatment following an accident were $75,000, and the at-fault driver had the minimum amount of liability insurance coverage, a victim may receive $30,000 of coverage from the driver’s policy. If they had purchased additional UIM coverage through their own insurance policy, resulting in a policy limit of $50,000, their policy would provide them with coverage for the other $45,000 of medical expenses.

While UM/UIM coverage can address a person’s expenses following an accident, there are many situations where insurance companies will attempt to minimize the amount that is paid out. An attorney can assist with filing a UM/UIM claim, and they can negotiate with the insurance company to make sure the coverage provided will fully address the person’s expenses. If necessary, a lawyer can also help pursue other forms of compensation, such as by filing a personal injury lawsuit against the driver who caused the accident or other parties who may have been at fault.

Contact Our Corpus Christi Uninsured Motorist Accident Lawyer

If you have been involved in an accident that was caused by a driver who had no insurance, you may be concerned about your ability to address expenses related to your injuries or the costs of repairing or replacing your vehicle. At The Edwards Law Firm, we can help you determine your options, and we will work with you to make sure you receive compensation from all available sources. Contact our Nueces County uninsured driver accident attorneys at 361-698-7600 to schedule a complimentary consultation today.

 

Sources:

https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm

https://statutes.capitol.texas.gov/Docs/TN/htm/TN.601.htm

https://www.tdi.texas.gov/tips/uninsured-motorist-coverage.html

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