Recovering financially after a car wreck may depend on whether or not you purchased special coverage with your auto insurance carrier to protect you against uninsured motorists (or UM). UM coverage applies when the other driver lacks any insurance or is an excluded driver under the policy or there is a coverage issue. Estimates of the total number of insured motorists in Texas are often above 10 percent, despite the fact that’s it’s required by law and that uninsured drivers in Texas may lose their license. If you don’t have any coverage to protect you from this population, you might find it difficult to file an uninsured driver claim with your car insurance company.
If you lack UM coverage and are hit by an uninsured driver, you still have options, just not as many. One option is to file a lawsuit against the at-fault driver who lacks insurance. But if a driver lacks insurance, they may also lack the financial means to pay up after a verdict.
Even if you have UM coverage, your insurance company may try to avoid paying for your losses. Insurance companies don’t get rich by routinely giving clients everything they deserve, particularly for an uninsured injury that wasn’t their client’s fault. If an insurance company refuses to pay a legitimate UM claim, you need the help of an experienced car-related injury attorney.
Before you start down any road toward claiming compensation, get a UM claim attorney. They can help you navigate the choppy waters of a case in which the at-fault driver lacks insurance or claims to lack insurance. That’s right: Some drivers may lie and claim they aren’t insured, even when they are. That way, they can avoid having a costly claim filed against their insurance policy, which then would likely raise their rates. Your UM injury lawyer can help locate such a policy, perhaps by telling the at-fault driver that they will face a civil lawsuit all alone if they don’t produce an insurance policy that covers them.
The bottom line is that you are highly encouraged to purchase uninsured motorist coverage that protects you. It can also help you in other ways, including if you’re injured by a hit-and-run driver who isn’t caught or if you’re hit as a pedestrian or as a bicycle rider by a driver who lacks enough insurance to pay. It also can help if you’re a passenger in a vehicle other than your own that is hit by an uninsured driver.
In any event, your uninsured driver claim can include claiming payments to cover such damages as medical costs, lost salary, and mental anguish. Of course, even a car insurance policy protecting you against an uninsured driver will have limits to its coverage. You need to make sure you receive the full amount you are legally owed by your insurer, and to do that, you may need a professional, reputable injury lawyer to fight for your rights. Contact our Texas-based law firm, the home of Jim Adler, The Tough, Smart Lawyer®, expert car accident attorneys. If you need legal advice regarding uninsured driver accidents, contact us today to get a free case review. Let’s get started helping you with your case.