Uninsured | Underinsured Motorists
“Though Texas law requires all of us to have automobile insurance coverage, many drivers do not and many more fail to carry adequate coverage. Should you find yourself the victim of an uninsured or underinsured driver, we may be able to help you find and pursue additional insurance coverage within your own policies. We’ve done it for many clients over the years.”
All serious car and truck accidents are frightening and distressing. Learning that you were hit by an uninsured motorist or an underinsured motorist can make a difficult and stressful experience even more worrisome…
How will you pay your medical bills if the other driver is uninsured?
How will you be reimbursed for your lost wages if the driver that caused the accident carried no insurance or only minimal limits of coverage?
What if a passenger in your car is seriously injured?
And who pays to fix your car?
Many accident victims believe they are simply “out of luck” if they’re hit by an uninsured or underinsured driver. This may not be true. Let us explain to you precisely how you can turn to your own auto insurance policy in these cases as well as in hit-and-run accidents.
Here are some things you need to know:
Everyone who purchases auto insurance in Texas must be offered uninsured motorist coverage. Unless you declined this coverage in writing, your policy most likely includes coverage for accidents involving uninsured and hit-and-run drivers. You may also have simply purchased uninsured/underinsured coverage from your own insurance company and may have either forgotten about it or are not sure how it applies or how to appropriately access it. That’s when an experienced Uninsured Motorist Lawyer can really help.
Your uninsured motorist coverage insures you and the passengers in your vehicle who suffer bodily harm caused by a driver with no insurance. If another driver is using your car with your permission, he or she is also covered by your UM (uninsured motorist) coverage.
Underinsured motorist (UIM) coverage is similar to uninsured motorist coverage. This type of insurance pays the difference between the other driver’s insurance limits and the total damages you suffered from your bodily injuries up to the limits of such policy.
An experienced Uninsured Motorist Lawyer or Underinsured Motorist Lawyer can explain, in clear and understandable language, what is covered and what is not.
We have that experience at The Law Offices of Charlie Waters in Dallas, Texas. Most importantly, we will advocate on your behalf to ensure you receive the full amount of insurance coverage you deserve.