Uninsured Motorist (UM) Claims
Choose a Skilled Houston Car Accident Lawyer
Being injured in a car accident can be an unfortunate and painful experience. The personal injury claim process can also be an incredibly complicated, unfair, and frustrating battle. When an uninsured motorist is involved, however, frustration can turn into downright panic and anger. At Stern Law Group, our legal team has worked on numerous cases in which an uninsured motorist was involved, and we have used our experience, skills, and unyielding commitment to successfully resolve this complex issues.
If you or a loved one has been injured in a motor vehicle accident caused by an uninsured driver, then you need aggressive legal representation immediately. We handle cases of this kind in Houston and the surrounding areas and offer a free consultation to help you get started.
Contact our Houston attorney and schedule your free case evaluation today!
Texas has one of the highest percentages of uninsured drivers in the United States. According to the Texas Department of Public Safety, an estimated one in every four drivers has no insurance. Although basic liability insurance is required by law, a struggling economy has forced many Texas motorists to cut costs by dropping their insurance, which puts the lives and property of others on the road at risk.
Irresponsible drivers who roll the dice by driving uninsured are subject to:
- License suspension
- Other consequences if they are caught
Unfortunately, many of them are involved in injury-causing accidents before they can be disciplined for their carelessness. When this happens, injured victims face a difficult time obtaining the compensation they need to recover from their injuries. Costly medical bills and lost wages from an inability to work can quickly result in financial strains that victims and families must struggle to overcome.
What Happens When You Get in an Accident with an Uninsured Motorist?
If you’ve been in an accident and the driver is uninsured, panic will likely rise. But knowing what happens during the process will likely be comforting. The first thing to know is to not solely rely on your own medical insurance, because you will likely end up paying a lot of out of pocket expenses if you take this route.
It will be important to file a personal injury claim by working with a knowledgeable uninsured motorist accident lawyer. Keep in mind, however, that Texas has a 2 year statute of limitations in which you can file a claim for compensation. Make sure you don’t wait longer than this to file, as your claim will likely not be accepted after that point. An attorney can also help you file with your own insurance to ensure that it remains up to date and all avenues are pursued for compensation.
How Uninsured Drivers Affect Injury Claims
Typically, personal injury claims are filed against insurance companies. When a motorist has no insurance, legal actions can be taken to ensure that victims injured as a result of that person's negligence recover monetary compensation for their damages directly from the responsible driver. The process can be rife with complexities, frustrations, and highly technical legal work, which many injured victims are unable to handle. By working with the legal team at Stern Law Group, you can allow us to take the necessary actions that will help your case reach a favorable outcome.
The Benefits of Underinsured Motorist Claims (UIM)
If you carry underinsured motorist insurance with your auto insurance provider, then you could be covered in the event that the person who hit you did not have enough coverage to cover the cost of the accident. When at-fault drivers do not have adequate insurance, your insurance company can pay medical bills, repair costs, etc. that the at-fault party was responsible for. Surprisingly, many drivers in the state of Texas do not carry the minimum liability limits, which could account for many UIM claims. In order for Stern Law Group to be able to effectively handle your UIM claim, we would have to evaluate your policy thoroughly and investigate what coverage options might be available to you.
Schedule a Free Case Review Today!
Because cases involving uninsured drivers place additional strains upon victims and families, Stern Law Group goes above and beyond in our efforts to help support clients during their claim processes. This can include providing you with medical and financial assistance while we fight aggressively on your behalf and do whatever is necessary to win. With more than 150 years of combined experience, tens of thousands of satisfied clients, and a proven record of compensation recoveries, we are here to fight for you.