Car insurance is designed to protect you in the event of a car accident. Most car insurance policies include comprehensive coverage that covers accidents that involve animals, fire, theft, vandalism, and weather. Insureds who select collision coverage are also protected in the event of accidents with other vehicles, people, or personal property. In addition to these two common coverages, the state of Texas also requires drivers to carry uninsured/underinsured motorist coverage.
Despite the laws, not all drivers have valid car insurance policies. If you have been involved in a car accident with an uninsured or underinsured driver, call a trusted attorney as soon as possible. In Texas, the attorneys at Sutliff & Stout Injury and Accident Law Firm understand the intricacies of cases involving uninsured motorists and will work tirelessly to fight for you.
Who is an Uninsured Driver?
An uninsured driver is a person who does not have a current car insurance policy on their vehicle. Some uninsured drivers do not realize that their insurance policy has lapsed and are driving with the belief that they are fully covered. If you are involved in a car accident with an uninsured driver, and you carry uninsured motorist coverage, you can still receive compensation for your injuries and property damage.
It is not uncommon for insurance companies to fight uninsured motorist claims. In the event that the insurance company is attempting to get you to accept an unfair settlement, it is beneficial to have an attorney who understands the law represent you.
Who is Considered an Underinsured Driver in Houston?
The party responsible for a car accident is liable for the damages. In more significant car accidents, the damages may exceed what the insurance policy covers. Likewise, if the driver only carries the minimum required coverage ($30,000 in Texas), it is not uncommon for medical bills and property damage to exceed that amount.
Your uninsured motorist coverage is in place to pay for costs in such events. However, most insurance companies refuse to be fair when handling these types of claims.
Hit-and-Run Accident Attorneys
Hit-and-run accidents are collisions in which the driver responsible for the accident flees the scene. In such accidents, there is no insurance from the liable party to cover the costs of the accident. Uninsured/underinsured motorist coverage is also designed to help you if you are involved in a hit-and-run accident.
In Texas, insurance companies are bound by law to the Texas Insurance Code. It is their responsibility to provide for your claim quickly. If you are having difficulty receiving a fair settlement or coverage for your injuries or property damage, you may be able to seek additional damages.
Hire An Aggressive Car Accident Attorney Near You
Sutliff & Stout Injury and Accident Law Firm has the experience necessary to fight for your case. If you or someone you love has suffered an injury or been involved in a serious car accident with an uninsured or underinsured driver, you shouldn’t wait another moment before scheduling a legal consultation. Our no-obligation case review can help you determine what your case is worth according to the law.
The attorneys at Sutliff & Stout are board certified personal injury lawyers who have won cases for thousands of individuals in Houston. We are committed to making our communities safer and fighting for you every step of the way. When you contact us, our immediate goal is to be of service to you. Call to schedule your free consultation today at (713) 987-7111 or fill out our online contact form.