For most, auto insurance liability is a necessity. However, it is required for citizens to abide by the Texan law. This ensures that they are properly protected from a lawsuit if an accident should happen.
In the instance where the other driver involved in your accident is not insured, you can still claim for lost wages, medical care, and other damages. In this instance, a professional Houston uninsured driver accident lawyer can offer help.
The professionally trained car accident lawyers in Houston at (713) L‑A‑W‑S‑U‑I‑T is on standby and is waiting to review the case with you. At (713) L‑A‑W‑S‑U‑I‑T free consultation will be offered in an attempt to properly explain the steps that can be taken to ensure that you receive the money that you deserve. So if you’ve been involved in an uninsured wreck, give us a call today for your free consultation session.
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If you were involved in a vehicular accident with someone who doesn’t have motor vehicle insurance, you can still seek compensation. In this instance, you can be compensated by your own insurance company. The compensation received will ensure that your medical costs, your vehicle costs, and your suffering and pain are all equally compensated.
However, you should keep in mind that there are still instances where insurance companies undervalue clams. This is done by reducing the extent of your injuries. Additionally, claims are also made in an effort to state that you were partially or fully responsible for the accident.
At (713) L‑A‑W‑S‑U‑I‑T, we do everything within our power to utilize the resources and skills that we have so that you can be fully compensated. You deserve compensation for your damages and your injuries.
How Much Coverage Should Motorists Have?
On average, persons are usually required by Texan law to have at least $30,000 in coverage. So, if you’re involved in an accident and the responsible party doesn’t have the minimum coverage, there’s a high chance that your bills and losses will exceed what the other person has. However, uninsured drivers can provide you with coverage.
If you’re the policyholder, you’ll be compensated by the responsible party. This ensures that no cash ever comes out of your pockets. So if you’re involved in an accident and the other party doesn’t have insurance, you’ll still be compensated.
Most people often overlook hit-and-run accidents. However, you will still be covered in this instance since uninsured motorist coverage allows you some level of compensation. If you were involved in a hit-and-run accident, you will receive the coverage that you are entitled to.
If you didn’t already know, insurance companies are liable to the Texas Insurance Code for good faith. Simply put, it is within their duty to resolve your claim in the fastest time possible. Claims are usually approved or denied within a 30 day period under this code.
In the case where your claim was denied by bad faith, you’re still able to seek other damages. This works out good for some since they receive up to three times more than if they were granted the original claim offer. At (713) L‑A‑W‑S‑U‑I‑T, our Houston hit-and-run attorneys are experienced in handling the toughest cases when it comes to bad faith. They are also successful and can deal with even the most deceptive practices.
Seeking Compensation In Houston After An Uninsured Motorist Accident
In order to seek compensation, there are usually two ways in which it can be done. These are as follows as it applies to a crash with a driver who is uninsured:
- A claim can be filed based on the driver’s uninsured coverage. This even includes health insurance and collision coverage.
- A personal injury lawsuit can also be filed against the responsible driver.
Understanding Uninsured Motorist Coverage In Texas
Most citizens in Texas drive every day and don’t even know that they don’t have coverage. It takes an unforeseen tragedy for them to realize that they have uninsured motorist coverage. However, the laws of Texas make it clear that companies should offer this form of coverage for holders of policies.
In order to get out of uninsured coverage, you must approach the company and submit this in writing. This simply means that you’re rejecting this particular type of coverage and that you’ve already gone and gotten the minimum accepted coverage rate. In some cases, opting out of this form of coverage significantly reduces the premiums that some people pay.
While it isn’t recommended to opt-out of this policy, some people still do. If you’re involved in a crash where you don’t have the uninsured policy, and the other driver is without liability coverage, you will still receive coverage from your own health insurance. However, you’ll still be required to co-pay any fees related to the treatment that you’re receiving. The cost of any other damages experienced usually comes out from your own pocket.
Getting Help From An Uninsured Motorist Accident Attorney In Houston
According to the statute of limitations in Texas, you’re granted a period of up to two years before your file any injury claims lawsuit. This also applies in the instance where the other is an uninsured driver and they were responsible for your injuries due to the accident. While this isn’t always worth it, you should still discuss your special case with a professionally trained lawyer in Houston. So contact us at (713) L‑A‑W‑S‑U‑I‑T so that we can aid with what comes next in your case.
Our experienced lawyers work tirelessly to ensure that you are able to properly file for an uninsured motorist claim. You deserve all the help you can get to take care of your medical injuries, your loss of income and any other damages that you may have suffered during this time. We’ll go the extra mile to collect all the evidence that becomes vital for your case.
We’ll see to it that your medical receipts and bills along with the police report are gathered as other forms of evidence. At (713) L‑A‑W‑S‑U‑I‑T, we work for you and deal with the back and forth communication issues that you experience with insurance companies. We’ll battle until you get the settlement that you deserve based on your special case.
We’ve already seen instances in uninsured motorists cases where clients insurers refuse to offer fair compensation or even pay the amount decided. To properly deal with this situation, you need a strong fighting force at your side. Our lawyers are not afraid to battle it out with the insurance company as we fight for you.
Contact A Houston Uninsured Driver Accident Lawyer About Your Case
If you’re lost and confused about what to do after an accident, the Houston injury lawyers at (713) L‑A‑W‑S‑U‑I‑T will guide you at every step. So if you’ve suffered from an accident that was caused by an uninsured driver, we’ll spend the time to make sure you understand what comes next during this time. Our lawyers will review the evidence from your case and evaluate our case strength before making any suggestions. Call us today and receive a free consultation and evaluation session.