Car Accidents Every year in the US more than 2 million people are injured
When another driver hits you, it is natural to expect that driver’s liability insurance to pay for your car damage, hospital bills, lost income and other losses. But what can you do if the driver has no insurance?
The car accident attorneys of Byrd Davis Alden & Henrichson, LLP, help clients in Austin and surrounding areas of Texas to work through this issue all of the time. If you find yourself dealing with the aftermath of a crash that was caused by an uninsured driver, make your first call to us.
We can explore and pursue all of your options, including taking action against a liable third party or filing an uninsured motorist claim with your own Texas auto insurance provider. While you focus on your health and your recovery, we will be hard at work, seeking maximum compensation for your losses.
Call or email us today to request your consultation.
If you own and operate a car in Texas, you must have liability insurance. This insurance will pay for the property damage and bodily injuries that you cause in a crash. Texas law requires you to carry this insurance in the following minimum amounts:
So, if you are struck by another driver in Austin, your first option would be to file a claim with that driver’s insurance provider. It is possible that the driver will have coverage that is above the minimum amounts.
Of course, it is also possible that the driver has no insurance. In fact, according to recent figures from the Texas Department of Insurance, 14 percent of drivers in our state are uninsured — which is more than 2.5 million drivers.
If you find yourself in this situation, you could file a claim through your uninsured/underinsured motorist (UM/UIM) coverage. You should have this insurance unless you have rejected it in writing.
UM applies when you are hit by a driver with no insurance or by a hit-and-run driver. UIM kicks in when you are struck by a driver whose insurance fails to cover all of your losses. It can cover the difference between what the other driver’s liability policy covers and your losses — up to the amount of UIM you have purchased.
An insurer must offer UM/UIM coverage in the following minimum amounts:
To fully protect yourself, you should never reject UM/UIM coverage. You should also consider buying coverage above the minimum amounts.
If you look at the declarations page of your auto insurance policy, you will see that you may have many other types of coverage that you can turn to in case you are in a crash — regardless of who is at fault and whether the other driver has any insurance. These types include:
Your lawyer from Byrd Davis Alden & Henrichson, LLP, will look at all of these options in your case. You can count on us to take efficient and effective action on your behalf, including filing a claim with the other driver’s insurer or your own insurer.
Insurance companies want to pay as little as possible to settle a claim. This is why you need to have an aggressive and experienced lawyer by your side. You can trust us to do the hard work it takes to prepare your case for settlement negotiations and to fight for a full and fair settlement for you.
If you are injured by an uninsured driver in Austin, your options may go beyond filing a claim with the other driver’s insurer or your own insurer. Byrd Davis Alden & Henrichson, LLP, will explore other options such as:
As you can see, you may have many options available to you after being hit by an uninsured driver in Austin. You should get in touch with Byrd Davis Alden & Henrichson, LLP, right away and allow it to get to work on pursuing all options available to you. Contact us today for a immediate consultation.