Most motorists see auto liability insurance as a must-have, both to abide by Texas law and to protect themselves from a lawsuit if they are at fault for an accident. Some drivers, however, continue to get behind the wheel without this type of mandatory coverage. If an uninsured motorist caused your Houston traffic accident, you still have options to collect the compensation you need to cover your medical care, lost wages, and other damages. An uninsured motorist accident lawyer in Houston can help.
The car accident team at D. Miller & Associates, PLLC, are standing by, ready to review your case. We offer free consultations and can explain your options for recovering the money you need and deserve if an uninsured motorist caused your wreck. Call us today at 713-850-8600 for your complimentary evaluation.
Damages Available After an Uninsured Motorist Accident in Houston
There are typically two ways to recover compensation for your damages after a crash with an uninsured driver:
- You can file a claim based on your own uninsured motorist coverage, collision coverage, or health insurance coverage; or
- You can file a personal injury lawsuit against the at-fault driver.
Understanding Uninsured Motorist Coverage in Texas
Many people have uninsured motorist coverage and do not even realize it until they are in an accident with an uninsured driver. Texas law requires all insurance companies to offer this coverage to policyholders.
To opt out of uninsured and underinsured motorist coverage, you must submit a form in writing. This means, unless you took special steps to reject this type of insurance coverage, you likely have a policy that meets the state’s minimum coverage requirement.
It is possible you opted out of this coverage, however. Some people do, because it lowers their premiums. We do not recommend this, but it does happen. If you do not have uninsured motorist coverage and a driver without liability insurance causes your accident, your health insurance will likely pay for your medical bills. However, you will need to pay the deductible and any co-pays related to your treatment. In addition, there may be other damages stemming from the accident that you would have to pay out of your own pocket.
Getting Help From an Uninsured Motorist Accident Attorney in Houston
Under the Texas statute of limitations, you have two years to file a personal injury lawsuit against the uninsured motorist who caused your car accident and your injuries. Since this is not always worthwhile in these cases, you may want to discuss your unique situation with a Houston car accident lawyer before you decide what to do next. If you call us, we can evaluate your case for free.
We can also work with you to help you file an uninsured motorist claim and help you to pay for your medical treatment, cover your lost wages, and take care of your other damages up to the limit of the policy. We will collect vital evidence for your claim, including the police report for your accident and your medical bills and receipts. We will handle all communication with your insurance company and negotiate a fair settlement based on the facts of your case.
Occasionally, we see a case where our client’s insurer refuses to pay out or offer a fair amount for an uninsured motorist claim. When this happens, we are not afraid to take on the insurance company and fight for the compensation you deserve.
Contact an Uninsured Motorist Accident Lawyer in Houston About Your Case.
The legal team from D. Miller & Associates, PLLC, can help you understand what to do after a car accident in Houston. If you suffered injuries because of an uninsured driver, we will explain your options for compensation. We will review the facts of your case and evaluate the strength each option before making a recommendation. As always, we offer free case evaluations and consultations. Call us today at 713-850-8600.