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Have You Been Hit by an Uninsured Motorist in TX? You May Have Ways to Recover Damages
The state of Texas requires all motorists to have some basic level of vehicle liability insurance. But this required amount can often not be enough to cover the expenses of an actual car crash. A driver in this situation is called an under-insured motorist. If a driver simply chooses to have no insurance despite the law, we call them uninsured motorists. More about car accident lawyer Houston here.
By law, your insurance company is required to offer additional coverage for accidents with uninsured and under-insured motorists (UM and UIM, respectively). This coverage comes in two types: bodily injury and property damage.
Bodily injury insurance covers your hospital or medical bills, any lost wages you may incur, and compensation for any pain and suffering or disfigurement as a result of the accident. There is no deductible associated with this coverage.
Property damage insurance covers damage to your vehicle or any of your property within your vehicle. It also covers the price of a rental car while your vehicle is being repaired. A deductible is associated with this coverage.
Even if you have no UM/UIM coverage, there may be ways to recover some damages if you are in an accident with an uninsured or under-insured motorist. If you are in an accident with a UM/UIM, contact the uninsured auto accident attorneys at our Texas Law Office and let us make sure your injuries are fully compensated. But understanding these kinds of “budget” insurance providers helps you also appreciate just how difficult this road can be. It should also illustrate why you, if you take on these insurance companies by yourself, or an inexperienced attorney who quotes you a great “rate”, will cause you more problems than they solve; and make you a victim in this auto accident a second time.
An experienced local attorney with our Law Firm will analyze your case, and explain your options so that you will fully understand them. We want to make certain that you recover as much as reasonably possible for your injuries and make this sometimes complicated legal process as easy as for you to understand and navigate to a successful end. Then you can resume your life: free from financial harm, and with this experience in your rearview mirror.