Uninsured/Underinsured Motorist Claims Lawyer

Skilled Car Accident Lawyer Serving Nationwide

Was your auto accident caused by a driver who did not have the appropriate auto insurance coverage? If not, you might be wondering how you are going to recover the financial compensation you are rightfully due. While it might seem that there is no way to recover payment for the losses you suffered, there are actually options that might be available to you for obtaining compensation.

One of those options is to file a claim through your own uninsured motorist (UM) insurance or underinsured motorist (UIM) insurance coverage. This is insurance that provides you with the chance to be compensated when the at-fault party is not insured or does not have enough coverage to meet the damages from the car accident. This type of insurance can also be used in provide the victim with compensation in hit and run accidents.

Do you want to learn about your options for receiving compensation through this type of insurance coverage? If so, do not hesitate to speak to The Doan Law Firm, P.C.’s Houston car accident attorney. In addition to helping clients get the filing process started for their UM or UIM claims, the firm can also help those who are having trouble reaching fair settlements from their insurance companies under this coverage.

Uninsured Drivers in Texas and UM/UIM Coverage

Many of us would never even consider doing something as irresponsible as driving without insurance. Yet, there are many individuals out who do just that. It is estimated that about 20% of drivers in the state of Texas are uninsured, according to the Texas Department of Motor Vehicles. With these types of statistics, you will need to be prepared for a collision with an uninsured driver if you live in this state.

In Texas, drivers have the option to obtain UM/UIM coverage for bodily injury only or UM/UIM coverage for property damage only, or both forms of coverage. Bodily injury UM/UIM coverage will pay for damages such as pain and suffering, medical bills, partial or permanent disability and lost income, according to the Texas Department of Insurance. Property damage UM/UIM coverage will pay for things like vehicle repair, damages to items that were inside the vehicle at the time of the crash and rental car expenses.

In addition to policyholder, UM/UIM insurance also covers the injuries of others who were in policyholder’s vehicle during the crash, including passengers and individuals who were driving the vehicle with the policyholder’s permission. Make sure you speak with a competent Houston car accident attorney after being injured by an uninsured or underinsured motorist. Contact The Doan Law Firm, P.C. for a free initial consultation!