Houston Uninsured Motorist Accident Lawyers
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
Per 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 and fails to offer aid, the accident victim will not have their insurance information so 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 a driver with insurance hit you, but that driver fled the scene, 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 denying 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. 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 massive benefit since medical insurance won't cover lost wages.
Uninsured Motorist Accident FAQ
How does it work if the other driver just doesn’t have enough insurance to cover my claim?
Some states enforce complex rules related to uninsured/underinsured motorist carrier coverage, but not Texas. If you have underinsured motorist coverage in Texas, your insurance company is simply required to cover whatever the other driver’s policy can’t pay. If your claim is worth $60,000, for example, and the other driver’s policy maxes out at $20,000, your insurance company should pay the remaining $40,000.
Does uninsured motorist insurance cover hit and run accidents?
Depending on the specific incident, uninsured motorist insurance would most likely cover a hit and run accident—if the other driver could not be located. You see, an accident may be deemed a “hit and run” simply because the driver fled the scene, but if the police or your insurance company locate the driver on, that driver’s insurance policy should kick in. Uninsured motorist coverage would apply if the driver could not be located or was not insured.
How can an attorney help after an accident with an uninsured or underinsured motorist?
There are a few ways a skilled attorney could help after an auto accident with an underinsured or uninsured driver. If you have uninsured motorist coverage, your attorney can help you pursue the full and fair value of your claim under that policy and any other applicable sources. Even if you don’t have specific uninsured or underinsured motorist coverage, your attorney can consider what other sources are available for compensation. If the uninsured driver was operating a company vehicle, for example, their employer may be liable. If the driver has other insurance or assets, these could be pursued. By looking at the case from every angle, a competent attorney can maximize your recovery.
When Insurance Isn’t Enough. Call (888) 493-1629 for a Free Consultation.
Some car crashes are too severe to be covered by insurance. If your expenses outstrip your policy’s limits, you’ll need to file a personal injury claim for the remaining costs. Arnold & Itkin has secured billions in verdicts and settlements for people in circumstances like yours. It costs nothing to call our Houston uninsured 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.