Normally, if you’re ever in a car accident and you have your case handled by an experienced car accident attorney, the insurance for the driver who was at fault would pony up for your medical expenses, lost wages, among other damages you could potentially recover.
However, what happens when the driver who’s at fault DOESN’T have insurance? Who helps pay for your medical expenses? Is the case over and will your case simply be a lost cause?
Any experienced car accident lawyer will tell you that not all is lost. You still have an opportunity to recover compensation for your injuries if you have “Uninsured Motorist” or “Underinsured Motorist” coverage in your policy.
What is Uninsured Motorist or Under-insured Motorist Coverage?
Uninsured Motorist (UM) and Under-insured Motorist (UIM) are coverage that kick in when the driver at fault either does not have insurance or does not have enough insurance to compensate you for your injuries.
In these special circumstances, instead of filing a claim with the at fault driver’s insurance, you would make a claim against your own insurance, however, contrary to popular belief, Texas law forbids your insurance company from raising your monthly premium payment for these types of claims, since in these scenarios, you were not the driver at fault.
Typically when someone has “full coverage,” they usually have UM and/or UIM coverage as well, however, you may want to review your car insurance policy to ensure that you are covered for these types of instances.
Do I Still Need A Car Accident Attorney If I Have Uninsured Motorist or Under-insured Motorist Coverage?
Absolutely. What consumers need to understand about insurance companies is that they are notorious for denying or severely under-valuing legitimate claims. Behind the talking gecko or the creative advertisements are corporations that control an industry worth billions of dollars. Between homeowners insurance storm damage claims to car accident personal injury claims, insurance carriers are always looking out for their bottom dollar and habitually adjust claims in bad faith, which is illegal in Texas.
This is one of the many reasons why you should never try to settle your car accident personal injury claim by yourself and instead partner with an experienced car accident attorney who can help maximize your payout from your insurance carrier.
Still Have Questions? Speak To a McAllen Car Accident Attorney at Moore Law Firm Today!
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