You may not be out of recovery options if you discover the driver that hit you does not have enough insurance to cover your damages. You may be able to seek compensation from your own uninsured/underinsured motorist policy instead. If you have injuries from an uninsured or underinsured accident in San Antonio, Texas, contact us for a free consultation. Our car accident attorneys can help you handle a complex case.
Why Hire The Law Firm of Aaron A. Herbert, P.C.?
- Our lawyers have years of practice area experience in Texas car accident law.
- Our lawyers provide a high level of customer service to each client they represent.
- Our law firm has one of the only Board-Certified Personal Injury Trial Lawyers in Texas.
- Our trial attorneys prepare each case as if it will go to court for optimal results.
- Our uninsured/underinsured accident attorneys take all cases on a contingency fee basis.
Do You Have Uninsured or Underinsured Motorist Insurance?
In Texas, every motor vehicle driver must obey the insurance requirements. Before you can operate a motor vehicle, you must purchase at least $30,000 per person and $60,000 per accident in bodily injury liability insurance, as well as $25,000 or more in property damage liability insurance. Unless you reject this coverage in writing when purchasing insurance, the insurance provider will also automatically add uninsured/underinsured motorist coverage to your policy. Uninsured motorist insurance helps pay for your damages after an accident with an at-fault driver who is uninsured or who flees the scene. Rather than relying on the other driver’s insurance for coverage, your own insurance company will pay for your losses up to the maximum amount on your uninsured motorist policy. Underinsured motorist insurance supplements another driver’s insurance if it is not enough to fully cover your damages. The at-fault driver’s insurer will pay for your losses first, up to the policy’s maximum. Then, your own insurer will cover the remainder.What to Do After an Uninsured or Underinsured Accident
After a car accident with an uninsured or underinsured driver, call the police for documentation. Your insurance company will want the police report number. The police can also issue a citation if the driver was illegally driving without adequate car insurance. Visit a hospital for professional care. Then, contact your auto insurance provider to report the crash. Explain that the other driver does not have insurance and ask whether your policy has uninsured/underinsured motorist coverage. If so, you will complete the insurance process through your own provider.How to Deal With an Insurance Claims Adjuster
Finding out you have uninsured/underinsured motorist insurance is not the end of the claims process. Your insurance company will assign a claims adjuster to your case. You or your personal injury attorney will then have to negotiate with the claims adjuster for a fair settlement. The adjuster will have training in how to convince you to settle for a lowball amount. Hire an attorney to improve your ability to combat insurance bad-faith tactics.- Do not claim any fault for the accident.
- Do not speculate about the crash – stick to the facts.
- Answer questions from the adjuster with brief responses (yes or no, when possible).
- Do not offer information the adjuster does not request.
- Say no when asked if it is okay to record a statement from you.
- Speak to a lawyer before accepting a settlement offer.