Uninsured Motorist Claims
What If the Driver That Hit Me Didn't Have Insurance?
An uninsured motorist clause is a provision found in most auto insurance policies. It provides coverage for those whose vehicles are damaged by a driver who wasn't covered by insurance. Sometimes uninsured/underinsured motorist protection comes standard with auto insurance policies, but many times it must be purchased separately. For drivers involved in a qualifying accident, insurers will pay what the uninsured motorist should have provided. Essentially, UIM/UM insurance is a safety net to make sure you don't pay for another driver’s lack of care.
Hit by someone in one of the following categories? Uninsured motorist insurance still applies:
- Insured drivers who lack the coverage for your damages
- Insured drivers whose claims have been denied
According to the Insurance Research Council, around 25% of drivers are uninsured or underinsured. Drivers should purchase UM/UIM insurance so they aren't left on the hook when an uninsured motorist causes a collision. This type of coverage can cover the cost of injuries to you and your passengers, property damage, and damage to your vehicle.
Hit & Run Accidents
Accidents in which a driver hits another driver and then leaves the scene are called "hit and run" accidents. When a driver does not stay at the scene and fail to render aid, the victim of the accident will not have the other driver's insurance information so that they can file a claim. This is another good reason for having uninsured motorist insurance—you cannot control the actions of other drivers. Even if you were hit by a driver who had insurance, but that driver fled the scene, then you’ll be left paying out-of-pocket for damage you didn’t cause.
Why You Should Opt In for Uninsured Motorist Insurance
In Texas, all insurance companies are required to offer UM coverage, but policyholders can reject this line of coverage if they do so in writing. If you do not remember rejecting uninsured motorist coverage, then you are likely covered. When in doubt, you should check with your insurance company. If you did reject it, reconsider your decision.
Uninsured motorist coverage will protect you both financially and physically. Without proper coverage, you may not be able to afford the medical care necessary to treat your injuries after a car accident. A monthly premium is a small price to pay for the assurance that you’ll be taken care of in any possible scenario.
Uninsured Motorist Protection for Pedestrians
Car accidents have the potential to injure not just those traveling in vehicles, but pedestrians as well. If you are a pedestrian and you carry uninsured motorist injury protection, this coverage can reimburse medical costs and lost wages for the time you take to recover. This alone is a huge benefit, since medical insurance won't cover lost wages.
When Insurance Isn’t Enough
Some car crashes are too severe to be covered by insurance. If your medical expenses and ongoing treatment costs outstrip your policy’s limits, then you’ll need to file a personal injury claim against the other driver for the remaining expenses. Arnold & Itkin has secured billions in verdicts and settlements for people in circumstances like yours.
It costs nothing to call our Houston car accident attorneys, and we pay for all the costs of your trial. There’s nothing to lose—call (888) 493-1629 for a free consultation with our team and learn if you have a case.