Were you involved in an accident caused by an uninsured driver in Friendswood, Texas? The Law Firm of Alton C. Todd Personal Injury Lawyers can help you understand your coverage and take the right steps to protect your claim from there. Contact us today at (281) 992-8633 for a free consultation with a Friendswood uninsured motorist claims lawyer.
Our attorneys have a successful record, with 58 years of combined experience and over $500 million won for our clients. Even when the driver who caused your crash has little or no insurance, your own auto policy may provide another source of compensation.
How The Law Firm of Alton C. Todd Can Help With an Uninsured Motorist Claim in Friendswood, TX
Few things are more frustrating than learning that the driver who caused your accident has no insurance to pay for your injuries. Many people assume they are out of luck at that point, but the truth is that you may already have coverage on your own policy designed to protect you in exactly this situation.
Getting the most out of that coverage, however, often requires legal help. The Law Firm of Alton C. Todd is here to help you from start to finish.
If you hire our Friendswood car accident attorneys, we can:
- Review your insurance policy to identify every available source of coverage
- Investigate the accident and establish the uninsured driver’s fault
- Document your injuries and calculate the full value of your losses
- Handle all of the communications with your insurance company
- Negotiate aggressively for a settlement that reflects what your claim is actually worth
- File a lawsuit and take your case to court if your insurer refuses to pay fairly
Contact us today to learn more about your best course of action. Our Friendswood personal injury lawyers are ready to start fighting for compensation on your behalf as soon as you are.
How Does Uninsured Motorist Coverage Work in Texas?
Texas generally requires drivers to demonstrate financial responsibility. Most drivers satisfy this requirement by carrying auto insurance with minimum bodily injury liability limits of $30,000 per person and $60,000 per accident. However, some drivers still get behind the wheel without insurance.
That is where uninsured motorist coverage can come in. Under Texas Insurance Code § 1952.101, auto liability policies generally must include UM/UIM coverage unless a named insured rejects the coverage in writing. UM coverage can apply when the driver responsible for an accident does not have applicable liability insurance.
You can check whether you have this coverage by looking at the declarations page of your auto insurance policy. If you are unsure, our car accident attorneys can review your policy during your free consultation and explain what coverage may be available.
How Does Underinsured Motorist Coverage Work in Texas?
Underinsured motorist coverage can apply when the at-fault driver has liability insurance, but the available coverage is not enough to fully compensate you for your covered damages. This can be important after a serious accident when your losses exceed the other driver’s policy limits.
The amount available through a UIM claim depends on several factors, including your policy, the other driver’s insurance, your damages, and Texas law. Our Friendswood car accident attorneys can review the available insurance policies and explain your options for pursuing additional compensation.
What Are Some Common Situations Where UM/UIM Coverage Applies?
UM/UIM coverage is not limited to straightforward collisions with drivers who let their policies lapse.
It comes into play in a wider range of situations than most people realize, including:
- A driver with no active insurance runs a red light and hits your vehicle
- You are injured in a hit-and-run, and the other driver is never identified
- The at-fault driver carries only the state minimum policy, and your medical bills exceed their coverage limits
- Someone takes a vehicle without the owner’s permission and causes a crash, voiding the owner’s policy
- The at-fault driver’s insurance company denies the claim because the policy had been canceled before the accident
In hit-and-run cases specifically, your policy may require proof of actual physical contact between your vehicle and the other driver’s vehicle. We can review the specific language in your policy and help you determine whether your situation qualifies.
What Compensation Can I Recover Through a UM/UIM Claim?
The compensation available through a UM/UIM claim depends on your injuries, losses, policy limits, and the circumstances of the accident. Depending on your case, compensation may be available for losses such as:
- Medical expenses
- Lost income
- Reduced earning capacity
- Pain and suffering
- Physical impairment
- Property damage when applicable
Your policy limits can affect how much compensation is available. Our attorneys can review your coverage, document your losses, and determine what compensation you may be able to pursue through a UM/UIM claim.
Contact Our Friendswood Uninsured Motorist Claims Attorneys for a Free Consultation
Being hit by an uninsured driver in Friendswood, TX, is a stressful situation in almost every circumstance. Fortunately, state law doesn’t necessarily leave you without legal recourse in terms of securing the compensation you need and deserve.
Contact The Law Firm of Alton C. Todd today to schedule a free consultation with a Friendswood uninsured motorist claims lawyer. Our trial attorneys have won hundreds of millions of dollars for accident victims in the area to date, and work on contingency, so we only get paid for our work if we win money damages for you.
