You must purchase and maintain auto insurance in Texas if you want to drive without breaking the law. Not all motorists take this law seriously, though. In fact, some past research has suggested that up to 10% of all cars on the road at any given time are driven by someone with no insurance.
What are you supposed to do if you get hit by an uninsured motorist? Are you out of luck and unable to get any compensation for your damages? If you have uninsured/underinsured motorist (UM/UIM) insurance coverage, then you should still have an opportunity to find financial stability again. Dunk Law Firm can help.
People love Dunk Law Firm for their UM/UIM claims because:
Considering filing an uninsured/underinsured motorist lawsuit? Learn more about UM/UIM accident claims in Houston right now. Call our uninsured/underinsured accident lawyers in Houston at (713) 575-1991.
Most auto insurance companies will offer to sell you UM/UIM coverage when you first purchase your insurance policy. As any car accident attorney will tell you, UM/UIM insurance is always something you should add to your policy if you can afford it. After a crash, your own UM/UIM policy will provide any damages not provided elsewhere – i.e. not paid by the liable driver’s insurance company – up to your policy cap.
Your policy should trigger if you get hit by an:
The minimum auto insurance requirements for Texas include:
This type of coverage is also referred to as "30/60/25" insurance coverage. Because Texas is a fault state when it comes to car accidents, the person at fault for the accident is also responsible for any damages they may have caused, whether property or personal injury.
In general, UIM/UM coverage is intended to cover the same things that a personal injury case would cover:
You might be wondering if things like pain and suffering will be covered by your UIM coverage. After all, these types of damages are harder to calculate monetary value for. The answer is "yes." Most UIM plans will cover pain and suffering if you are able to demonstrate the impact these damages have had on you as a result of your accident.
Dunk Law Firm and our Houston UM/UIM accident attorneys take pride in simplifying legal matters for our clients. If you are not sure where to begin with your UM/UIM accident claim, or if you even have the right policy coverage to file one, then please call (713) 575-1991 and connect with our firm.
Our Houston uninsured/underinsured accident attorneys would be happy to discuss your options in greater detail during a free initial case consultation.