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According to the Texas Transportation Code, every person who drives on Texas roads is required to carry minimum liability insurance coverage of $25,000 for property damage and $30,000 per person or $60,000 per accident for bodily injury. This basic coverage is intended to pay for property damage, medical bills, and other costs should they be found at fault for a motor vehicle accident. It’s possible to carry higher insurance limits (and you probably should) to protect yourself in a serious accident with high bills.
Unfortunately, quite a few people simply ignore the law, while others claim they can’t afford to buy insurance, often because they’re accident-prone, causing their premiums to skyrocket. What that really means is that everyone else on the road is at greater risk and there is a good chance that you will be in an accident at some point with a person with no insurance, and no way of paying for your damages.
Sure, they will probably end up losing their license and paying a huge fine, but how does that help you pay your medical bills and other losses? The answer comes when you carry uninsured motorist coverage with your own policy.
Uninsured motorist insurance is a type of added coverage that is available to everyone in Texas, in which your insurance company will help to pay for damages incurred whenever you are in an accident with an uninsured or underinsured driver. Texas law requires that insurance companies offer this coverage to anyone purchasing auto insurance; if they reject the coverage they have to sign a document stating so.
Under Texas’ “fault” system of auto insurance, drivers are required to pay for every accident they cause. After an accident, anyone who has been injured, whether it’s a driver, passenger, cyclist or pedestrian, may decide to file a claim with their own auto insurance first, which is what’s called a “first-party” claim, or they may decide to seek compensation from the other driver’s insurer by filing a third-party claim. The injured party also has the option of filing a lawsuit to prove fault and seek money damages for all losses they incurred as a result of the accident.
The way uninsured motorist coverage works is, it places your insurance company in the position of essentially taking its place as the insurance company for the uninsured motorist who caused the accident that injured you. When they are presented with an uninsured motorist claim, your insurance company will evaluate your injury claim and take into consideration any damages that your attorney presents regarding medical bills, pain and suffering, mental anguish, long-term care and loss of income.
As you can imagine, uninsured motorist claims can be very tricky, because your insurance company is suddenly taking the place of the opposing party’s insurance company, which means they will try to pay out as little as possible for your claim. For an uninsured motorist claim, it is extremely important to hire Houston uninsured motorist claims lawyers to represent you and to make sure that you recover everything you’re entitled to.
If you or a loved one has been involved in an auto accident that resulted in serious injury or death, and the other party wasn’t carrying insurance, please contact the Houston uninsured motorist claims lawyers at Adame Garza LLP to help you get the compensation you deserve for your injuries and losses. We have lots of experience dealing with insurance companies, including representing people who are injured by uninsured motorists and we can help you protect your rights.