If you have been injured in an auto accident, you should schedule a free consultation with a personal injury lawyer in Texas today. We understand how challenging it can be to navigate through situations like this. The Law Button Firm wants to help guide you, just like we have helped many of our clients in the surrounding areas of Dallas, Houston, and Midland.
You can get in touch with us online to set up a complimentary consultation by completing the form provided or by engaging in a chat with one of our team members. Feel free to send us an email at [email protected] or simply give us a ring at (214) 699-4409.
Underinsured Motorist Insurance (UIM)
The insurance coverage for underinsured motorists protects you when the other driver has insurance, but it may not be enough to cover the full extent of your injuries and damages.
If you choose not to acquire underinsured coverage, once the $30,000 coverage is depleted, you will be left without an additional source of coverage from the at-fault driver’s insurance. In Texas, the minimum insurance policy obligation for an at-fault driver is $30,000 per individual and $60,000 per collision.
Even more terrifying is experiencing injuries, agony, and distress without sufficient insurance coverage to address the injuries of yourself or a loved one. It is difficult to envision these situations, but $30,000 is inadequate for any other life-altering injury such as a fractured thigh bone, limb loss, or severe brain injury. The profound impact of the accident on an individual’s life and their family members goes far beyond what can be quantified. Most life-altering car accidents necessitate medical expenses well exceeding $30,000, unless the harm caused by the other driver is minimal. While $30,000 may appear substantial, it depletes rapidly.
Uninsured Motorist Insurance (UM)
It is highly encouraged for everyone to get optional coverage every month. This optional coverage is for when a driver has been involved in a hit-and-run situation or when their insurance has lapsed. It protects you when another driver who does not have insurance is at fault.
After experiencing an automobile accident, if you don’t have the required insurance coverage, your life may not be restored properly. In such a case, you may find yourself without the appropriate coverage to compensate for damages caused by an uninsured driver who causes a collision and endangers both you and your loved ones.
Here’s a Recent Texas Truck Accident Example
Our client recently had an above-the-knee amputation of one of his legs as a result of a motorcycle crash. Our attorney in Dallas handled a case where our client was on a motorcycle and attempted to cross six lanes of traffic on a crowded day, when a truck pulled in front of him.
We were only able to secure a total settlement of $30,000 for him. Our client did not have any coverage insurance for the underinsured. The other driver, who had a minimum insurance policy of $30,000, caused the accident. In addition, he suffered punctured lungs and multiple broken ribs.
If your insurance company refuses to pay out for the damages you incurred and you are in need of coverage, you may need to file a lawsuit to order them to cover the expenses.
If you don’t know what I am explaining here or what you have, please reach out to us and we will make sure you have adequate insurance to protect yourself against others who don’t purchase insurance. Furthermore, we need you to buy insurance to protect us in times of need.
If You Have Uninsured and Underinsured Motorist Coverage, the Short Answer is Yes.
Our attorney in Dallas further explains the instances when a couple happens to sue their own insurance company after an auto accident. If the at-fault party does not have enough insurance coverage to pay for your injuries and damages, your own insurance company may be responsible and you may need to take a step further by relying on your Underinsured and Uninsured Motorist coverage in your policy to seek compensation for your damages.
First is when the driver that caused the wreck does not have insurance at all. According to the Texas Department of Motor Vehicles, 1 in 5 drivers, or 20%, do not have liability insurance on their car. If an uninsured driver hits you, your next option to recover is to pursue a claim against your own insurance company. This also applies if you are involved in a hit-and-run wreck and cannot find the other driver. Since uninsured/underinsured coverage is elective insurance that you must purchase, I highly encourage everyone to go check their policies to make sure they have a good amount of this..png)
Why Our Dallas Car Wreck Attorneys Want You to Get UM/UIM Insurance
We are here to assist you in understanding your rights. We sincerely hope that you and your loved ones never encounter such a situation, but it is important to be prepared for the worst. Therefore, please take into account the option of adding or enhancing the UM/UIM coverage on your car insurance policy to safeguard yourself in case the other driver lacks insurance. This type of insurance is reasonably priced and will provide you with financial protection if an irresponsible, underinsured driver collides with you. The majority of individuals we communicate with, who do not possess this coverage, express regret for not obtaining it earlier.
Book an appointment for a complimentary consultation.