Uninsured Motorist Coverage

auto insurance coverage

Most Texas auto insurance policies allow car accident victims to recover damages in an uninsured motorist (UM) claim if they are legally entitled to recover property damage and/or bodily injury damages from the owner or operator of an uninsured vehicle who caused their accident.

Unfortunately, this type of scenario plays out every day in the United States, leaving those hit by uninsured drivers with extensive medical bills and other damages.

Dealing with Insurance Companies

When it comes to dealing with insurance companies after an accident, it is important to note that their primary concern is to save money and pay out as little as possible for any injuries and damage involved in the accident. When you have uninsured/underinsured coverage, it also covers claims that are denied by the responsible party’s insurance company, or when they are otherwise unable to pay it.

In Texas, the current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage, per accident. However, if the driver responsible for the accident and your injuries have low coverage and you have sustained a serious injury, it is possible that the available insurance benefit will not cover all of your medical expenses. In this instance, your own underinsured motorist coverage should cover you.

However, if you need to use your underinsured or uninsured motorist coverage in Texas, you need to manage the negotiations carefully. You cannot file a claim for UI/UIM without settling with the third party first and obtaining the approval of your insurance company.

The driver who caused my accident doesn't have insurance. What can I do?

Filing a Claim Within the Statute of Limitations

While insurance companies will typically tell you to file a claim for coverage with the at-fault party’s insurance company as soon as you are hit, and contact your own insurance company to notify them if you suspect that the motorist is underinsured, working with an experienced auto accident attorney can help ensure that you file your claim in such a way as to maximize recovery. The statute of limitations for a third-party insurance claim is two years, and it is four years for a UI/UIM claim.

You Have Rights

Also, note that Texas law affords you specific rights regarding your auto insurance under the Consumer Bill of Rights. These rights apply to information to which you are entitled, prohibited statements, excess limits, your credit information, your right to purchase insurance through the Texas Automobile Insurance Plan Association, your right to set up a payment plan, any notices of reduced and/or denied coverage, right to privacy, cancellation, and associated rights.

An Auto Accident Attorney Can Help

At Fleming Law we handle all car crash cases on a percentage basis; in other words, we cover all expenses to pursue the claim with the insurance company and file a lawsuit for the injuries you suffered in the accident. If you or a loved one has been in an accident, contact us today to find out how we can help you.

nicholas fleming

Nicholas P. Fleming focuses his practice in the area of civil litigation. As a skilled personal injury attorney, he handles a broad range of cases including motor vehicle accidents, premises liability, workplace accidents, and wrongful death. He is licensed to practice by the State Bar of Texas and is a graduate of the South Texas College of Law, earning his J.D. in 2017. Nicholas prides himself on providing personalized service to his clients, who are often facing extremely stressful situations.