Uninsured Motorists in Texas
Have you been in an accident with a driver who doesn't have insurance, or doesn't have enough insurance to cover your damages? Our expert Houston car crash lawyers can help you get answers.
In a perfect world, every driver would be covered by sufficient car insurance to protect other drivers should they cause an auto accident. However, we don't live in a perfect world and there are millions of uninsured or underinsured drivers on highways, interstates and road around the country right now.
How many uninsured motorists are there in the U.S.?
According to the Insurance Information Institute, about 1 in 8 (12.6 percent) drivers were uninsured in 2012. While this number has been declining in recent years, it is estimated that there are still around 3.5 million uninsured motorists in the state of Texas alone.
If you are the victim of a hit and run, or have been in an accident with a driver who is uninsured or underinsured, it may feel like you are all alone and have nobody to turn to for help. Let Houston car accident attorney Neal Davis fight for you and negotiate with insurers to get you the compensation you deserve. If we don't win, you don't pay - that's our No Fee Unless We Win Guarantee.
We will stand with you.
Contact our Texas car crash lawyers for aggressive representation and the best possible outcome.
Texas Car Insurance Requirements
According to the law of the land, every Texas driver is required to purchase auto liability insurance and be able to show proof of coverage in the event of a car accident. Liability insurance helps pay for another person's damages or injuries if you were to cause an accident. The minimum coverage required by state law for every Texas motorist is up to $30,000 per injured person, $60,000 for all injured persons in the same accident, and $25,000 for property damage per accident. In shorthand, this coverage is referred to as 30/60/25.
Other optional types of insurance coverage drivers can add to their policy include:
- Collision - pays for the cost of repairing or replacing your vehicle after an accident
- Comprehensive - covers the cost of repairing or replacing your vehicle if damaged by fire, hail, vandalism, falling objects or other non-collision events
- Medical Payments - pays for medical bills or funeral expenses due to an accident
- Towing and Labor - covers towing and labor charges when your car breaks down
- Uninsured/Underinsured (UM/UIM) - pays for your expenses resulting from an accident with uninsured or underinsured driver, or damages resulting from a hit and run
- Personal Injury Protection (PIP) - encompasses medical payments coverage in addition to 80 percent of lost income and caregiver costs resulting from an accident
- Rental Reimbursement - offers a daily stipend for renting a car if your vehicle is stolen or getting repaired
Uninsured/Underinsured Motorist Coverage
Texas law forces insurance companies to offer their policyholders protection from uninsured or underinsured motorists. Having a UM/UIM clause added to your car insurance policy helps protect you, your family members, passengers in your vehicle, and anybody driving your vehicle with your permission by covering damages in the event of an accident with uninsured or underinsured motorist, including:
- Medical and funeral costs
- Property loss/damage
- Vehicle repairs
- Temporary car rental
- Lost wages
- Pain and suffering
- Permanent or partial disability
However, this coverage is optional and many people choose to opt out in order to lower their premium. Unfortunately, mandatory liability coverage will not pay for your expenses if you are injured by an uninsured or underinsured driver, or the victim of a hit and run. As a result, many car accident victims are left financially stranded when they need help most.
What is an Uninsured Motorist Claim?
Uninsured motorists are drivers who have no car insurance whatsoever and they frequently hit and run, fleeing the scene of the accident to avoid paying for damages out of pocket.
An underinsured driver has liability insurance, but the coverage is not enough to pay for another person's injuries.
For instance, a reckless driver might cause $100,000 in serious injury or damage to another person, but their insurance will only pay for $60,000 as stated in their coverage.
In this situation, the injured individual would have to pay the $40,000 difference.
When filing a claim for damages caused by an uninsured or insufficiently insured driver, uninsured (UM) or underinsured (UIM) motorist coverage can help.
How a Car Accident Attorney Can Help
If you or loved one have been in a car accident with an uninsured driver, or the at-fault driver's insurance policy is insufficient to cover your expenses, then it is imperative you speak with an auto accident attorney as soon as possible to discuss your legal options for financial recourse.
Uninsured and underinsured drivers often have very few financial assets, so obtaining rightful compensation can be more difficult than other car accident cases.
With 20 years of legal experience, Houston personal injury attorney Neal Davis knows how to get results in accident cases across Texas and will work tirelessly to pursue the best possible outcome in your car crash claim. Through aggressive representation and tactful negotiation, we will explore all of your options when it comes to obtaining compensation for an accident caused by an uninsured or underinsured driver. Contact us to schedule a free consultation and let us start working on your case today.