Uninsured Motorist

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Features of an accident involving an uninsured motorist

A car accident is a serious situation that can be made worse when one of the parties does not have the necessary insurance coverage. Car accidents involving uninsured motorists may occur in the following situations: 

  • An accident is caused by a driver without auto insurance or whose liability limits are insufficient to cover injuries and damages
  • An at-fault driver flees the scene of the accident before they can be identified (also known as hit-and-run) 

If you have purchased a car insurance policy in Texas, you may be familiar with the term “uninsured motorist coverage.” This type of coverage can protect you financially if you are in an accident with another driver who is uninsured or underinsured.

Uninsured motorist insurance is not mandatory in Texas, but drivers must opt out of this coverage in writing. This is not recommended, as it leaves you open to financial loss when hit by an uninsured or under-insured driver.  

An insurance policy in TX may also contain a clause excluding uninsured motorist coverage in accidents involving uninsured vehicles owned by the policyholder’s family member. 

When you are involved in an accident with an uninsured driver, there are certain steps that must be taken before filing a claim. 

  1. Any damage to your vehicle should be identified, inspected by a mechanic and the necessary repairs should be made. Documentation of these repairs will be needed when filing a claim.  
  2. If the uninsured driver is identified, their insurance company must be contacted and they will be named as a party to any uninsured motorist claim. The uninsured motorist’s insurance company will investigate your claim and use its discretion in whether it wants to cover your damages or not. 
  3. In some cases, the uninsured driver cannot be found after an accident. These cases should be reported to the police as soon as possible. A police report is also useful when filing an uninsured motorist claim.
  4. Finally, if you are injured in a car accident, you should seek immediate medical attention. This will help support your uninsured motorist claim, which could depend on whether or not you have sustained any injuries.

Dealing with insurance companies can be difficult without sufficient legal knowledge, and this area of law can be complex. Fortunately, an uninsured motorist lawyer can ensure your rights are protected.

How can a car lawyer help you?

If you have been injured in a car accident involving an uninsured or under-insured motorist, it is important to seek legal advice from a competent attorney for uninsured motorist accidents. The financial compensation that can be recovered in these cases include reimbursement for uninsured motorists benefits, uninsured or underinsured motorist property damage coverage, vehicle rental payments and lost wages (for the time the policyholder was unable to work).

Beyond uninsured motorist claims, a car attorney can help deal with the insurance company and assist you through the claims process. Of course, if there is a trial, the lawyer can also provide essential legal representation.

A car accident attorney can also answer any questions you might have about uninsured motorist claims and the legal process involved in uninsured motorists accidents.

Uninsured motorist accident cases require the expertise of a car accident attorney. A lawyer for uninsured motorist accidents can help victims of these accidents to obtain uninsured motorist benefits from their own insurance company. In cases involving uninsured or hit-and-run motorists, an uninsured motorist attorney can help to ensure crucial evidence is preserved and possibly help to uncover the identity of these drivers. 

A legal professional will be able to handle all aspects of uninsured or underinsured motorist claims on your behalf. If you have been involved in an accident with an uninsured motorist, please contact our law firm for assistance.

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