Jim Adler | The Tough, Smart Lawyer
By Jim Adler July 15, 2015

Since people naturally want to their keep insurance costs down, many may ask, “Why buy uninsured motorist coverage?” Our answer is that you aren’t adequately insured without it, and it’s well worth adding to your policy.

Did you know that as many as 20% of Texas drivers lack auto insurance? This is higher than the average of around 14% of drivers nationwide, according to the Insurance Research Council.

If a bad driver injures you, how can you collect payments for your losses if that driver lacks auto insurance or has insufficient insurance? The best way is to have coverage protecting you against uninsured motorists (UM) or underinsured motorists (UIM).

When you have uninsured motorist coverage, you can seek payments for your injury costs (such as medical bills and lost wages) from your own insurance company, even though the other driver was at fault.

Coverage as a Pedestrian, Bike Rider, Passenger

Uninsured motorist insurance also can help you if a hit-and-run driver who isn’t apprehended hurts you. In hit-and-run crashes, uninsured motorists coverage can apply in the absence of the at-fault driver.

This coverage also can help if an uninsured motorist strikes you as a pedestrian or as a bicycle rider, or if you are a passenger in someone else’s vehicle and are injured when the car is hit by a driver who lacks insurance.

In short, uninsured motorist coverage can help you significantly in a wide variety of car crash scenarios and our law firm advises you to get it.

Texas Laws on Auto Insurance

Texas law requires all drivers to purchase auto liability insurance. Liability insurance pays for another person’s costs if you are at fault in an accident. Minimum coverage for Texas is $25,000 for each injured person, or $50,000 for all injured persons in the same accident, or what’s known as 25/50 coverage.

As you can see, drivers who have minimum liability insurance may not have enough insurance to cover damages to other drivers or passengers. That’s why you also need coverage to protect you from underinsured motorists, not just uninsured motorists.

This coverage is optional in Texas, but according to Texas law insurers must offer you optional coverage against both underinsured and uninsured motorists when you purchase your policy.

If you decline to purchase this for your policy, your insurer must get that in writing. To claim you did not purchase UM or UIM coverage, the insurer must be able to produce a signed statement which indicates you refused it.

If your insurer cannot produce this signed statement, but you did not purchase UM or UIM coverage, you will have the chance to purchase it retroactively in order to cover your claim.

UM or UIM coverage can protect you and your family members or passengers by paying for medical costs, funeral expenses, auto repairs or rentals, lost salary, disfigurement, suffering and pain up to the dollar limits that you purchased.

If you are unsure if you purchased uninsured motorist or underinsured motorist coverage when you bought your policy, or if you are unsure of the dollar limits of such coverage, contact your insurance representative.

When you buy such coverage, you’re in good company. The Texas DMV says Texans spend $900 million yearly on UM and UIM coverage. That is needed because deadbeat drivers don’t obey the law and purchase their own coverage.

Options If You Lack UM, UIM Coverage

What are the options if you lack UM or UIM coverage and a bad driver with no insurance injures you? Unfortunately, your options are severely limited in such cases.

If the driver was identified, you can target the at-fault driver with a personal injury lawsuit. But generally, people who lack auto insurance also lack sufficient funds or assets to pay for the costs caused by their negligence at the wheel if they lose such a lawsuit.

Another problem may be if the bad driver has insurance, but only the minimum amount, and your medical costs and other expenses go beyond that. If you’d purchased UIM coverage, it would cover costs above those covered by that driver’s own insurance. But if not — again, you have a problem.

That’s why Jim Adler & Associates advises you to get as much UM and UIM coverage as you have liability coverage on your own policy.

How To Make an Uninsured Motorist Claim

As for how to make an uninsured motorist claim, you can simply make this claim as you would any auto accident claim against your insurer.

When insurers receive the claim they will begin their investigation. As a general rule, always be careful how much information you provide. Insurers may try to get more information than they need — information which they might use against you in order to minimize your claim or avoid paying altogether.

For such reasons, you should get a car accident lawyer on your side before dealing at length with your insurance company – and certainly before signing anything or giving any recorded statements to your insurer. A car wreck attorney with our law firm has experience dealing with insurance companies and can help you to avoid their tricks and self-serving tactics.

Insurers like to pretend they’re on your side in their TV commercials. In reality, when you make a claim they are your adversary and will fight to keep the money you paid for your policy.

You can be protected against your insurance company’s low-ball tactics by getting help from an experienced car accident lawyer with our law firm. Contact us today for a free legal review of your case.

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Google Reviews

I went to the office and everyone was so considerate and professional , so my first impression was good, I felt like I was in good hands. Then I received a call from Vanessa Garcia, she was on top of EVERYTHING! I never had to call her, she always called me. She even called to see how I was doing , and if I needed help with anything. That is why I have absolutely no worries.read more
13:42 01 Jun 17
My lawyer Bill Adler and case manager Iris Sanchez are amazing! They constantly call and check on you . They keep you up to date through the process. They care about you as a person and not just a client. The wreck was a life changing experience that I've never been through before. I'm just glad I had the right people like Bill Adler and Iris Sanchez to help me through it. Truly satisfied.Thanks and God bless y'all!read more
Tierra Clark
Tierra Clark
18:52 19 May 17
I was dropped from a previous law firm regarding my case before I called Jim Adler. They immediately took up my case and worked hard on it - I was always up to date with each step they took and the benefits or consequences of each. In the end, I am highly satisfied with the outcome and would not have it any other way. It took some time but I truly appreciate and want to thank everybody who helped me on this journey and worked tirelessly on it.read more
Tori Barroga
Tori Barroga
14:17 11 May 17
I am a Patrol Deputy for the Sheriff Office and while working one night, a drunk driver crossed the center stripe on the highway and struck my patrol vehicle head on with his pick up truck. Needless to say we (the drunk driver and I) were both lucky to survive, as the accident occurred at highway speeds. Following my release from the hospital, I knew that I would need to have someone represent me. My employer was happy to represent me in regards to prosecuting the driver for criminal charges but, can do little in respect to the recovery of financial losses for medical bills, pain and discomfort, time lost from work etc... This is how my relationship with Jim Adler and Associates began. Yep, you probably guessed correctly when you think of what made me choose the "Texas Hammer" to represent me. Those half obnoxious, half way entertaining commercials and radio announcements most Texans have been seeing and hearing on the TV and radio for years instantly came to mind. Yes, I wanted to "hammer" this S.O.B. for trying to kill me but, more importantly I was worried about the costs associated with the life long injuries I had sustained as a result of this drunk driver's negligent behavior. I contacted Jim Adler and Associates and so began our relationship. I was immediately surprised by the prompt attention and the expression of genuine concern for my well being that I received from the employees of Jim Adler's office. Now as you can imagine, lawyers are not a breed that is held in very high regard by people in my profession but, my experiences with Jim Adler's office and his employees have forced me to amend my way of thinking, at least on the civil side of the house anyway. I have to chuckle when I say that because my experience as a client of Jim Adler's firm has been exceptionally pleasant. So before I venture down one of the stereotypical and infinite number of rabbit holes associated with the relationship between members of law enforcement and lawyers; I will do my best to stay focused on my experience with Jim Adler & Associates. Upon being informed that my case had been accepted by Jim Adler's office; I was contacted by Iris Sanchez who informed me that she was to be my case manager and any questions, comments and concerns could be directed to her. I was pleasantly surprised to receive regular calls from Iris assisting with my medical appointments and future follow up appointments. Iris had informed me that Jim Adler's son, Bill Adler would be handling my case and I was even more surprised to receive several calls from Bill to discuss my case. Now you might be thinking "what's the big deal" with the person who is representing you contacting you? In reality, you are correct in that it isn't a big deal but, what is noteworthy and what separates Jim Adler's Office from the multitude of other lawyers is the genuine expressions of concern and the desire Bill Adler conveyed to me to do their best to help me. I felt an immediate connection and instantly realized I had made the correct choice in contacting Jim Adler & Associates to handle my case. One thing I think lawyers and police officers can agree on is the proverbial wheels of justice turn very slowly. Months go by and our professional relationship is never neglected. Through the unwavering attention of Iris Sanchez and Bill Adler himself, I never felt "out of the loop" so to speak and always had a clear understanding of where my case was at in regards to the legal process. In conclusion, I know my brief description of my experiences with Bill Adler and, his assistant Iris Sanchez, cannot provide the credit they deserve. Together they have done an outstanding job representing their firm/employer. If you are seeking a great firm to represent your legal interests and, take comfort in establishing a professional relationship that feels more like a friendship than a casual business acquaintance, then I highly suggest Jim Adler & Associates.read more
Erick Becker
Erick Becker
01:20 06 May 17
I am very happy with Jim Adler & Associates. I did not know anyone who has ever used the Law Firm before. The staff is very friendly and treated me as if I were family. At times it got very stressful being without a job. They helped me when I was confused about the process. Mrs. Theresa Rodriguez stayed in contact with me constantly. Checking on me to see how I was doing and to let me know how things were going on there end. The Attorneys that handled my case know exactly what they are doing to take good care of me. Thank You so much Attorney's Mr.Michael Gomez and Mr.Trey Smith.read more
Bernard Orozco
Bernard Orozco
17:16 23 Feb 17
Jim Adler only offer nothing less than a great experience. They are a very well-established organization. They are outstanding on keeping you up to date with cases. There's no beating around the bush with this organization as they are only straight forward with the whole process. They treat their customers like family as well as go above and beyond to fight cases for you only leaving you with nothing but the best experience. Easy 5-star rated organization. I would highly recommend this one organization you not look over.read more
Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 17
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