Tyler Uninsured/Underinsured Motorist Attorney
Tyler Underinsured and Uninsured Motorist Accident Statistics
Many drivers in the U.S. are uninsured or underinsured. This means they don’t have enough insurance to cover the costs of an accident they cause. In 2012, about 12% of drivers nationwide were uninsured, meaning one in eight drivers on the road lacked the necessary insurance protection. The situation was even worse in Texas, where the percentage of uninsured drivers rose to 13.3%, representing a significant number of drivers without insurance coverage. This translates to approximately 2.6 million uninsured drivers in Texas alone, highlighting the considerable risk posed by uninsured motorists on the state’s roads. Even if a driver has insurance, the minimum coverage required by law might not be enough to cover all the damages resulting from a serious accident.
In Texas, the minimum liability limits are 30/60/25, which means $30,000 per injured person, up to a total of $60,000 per accident, and $25,000 for property damage. However, medical expenses and property damage in a serious accident can quickly exceed these limits. If you are involved in an accident with an uninsured or underinsured driver, your medical bills, lost wages, and property damage might not be fully covered by their insurance policy. Therefore, it’s important to understand the implications of uninsured and underinsured motorist coverage and to take the necessary steps to protect yourself. This is where having your own uninsured/underinsured motorist (UM/UIM) coverage becomes crucial.
UM/UIM coverage protects you in the event that you are involved in an accident with a driver who is uninsured or underinsured. It helps cover your medical expenses, lost wages, pain and suffering, and other damages. Without UM/UIM coverage, you might be responsible for paying your own medical bills and other expenses, even if you were not at fault.
If an uninsured/underinsured driver injures you in an automobile accident, do not give up hope. Your best course of action is to consult with a knowledgeable car accident lawyer is highly recommended. An experienced attorney can help you navigate the complexities of insurance claims and pursue the compensation you deserve. At Herrman & Herrman, P.L.L.C., They can help you understand your rights, gather evidence, and negotiate with insurance companies to ensure you receive fair compensation for your injuries and losses. Don’t hesitate to seek legal help if you need it. Protecting yourself and your rights is paramount after an accident, especially when dealing with uninsured or underinsured drivers.
Compensation Options in Uninsured/Underinsured Driver Claims
When the insurance coverage provided by the at-fault driver is insufficient to fully compensate you for your losses after a car accident, the role of auto accident lawyer becomes even more critical. Your auto accident lawyer’s primary objective is to identify and pursue all available avenues to secure the maximum possible compensation for your injuries and losses. This includes not only pursuing claims against the at-fault driver’s insurance company, but also exploring additional sources of compensation. Your losses can encompass a wide range of expenses and damages, which may include:
- Uninsured and underinsured motorist (UM/UIM) coverage: Bodily Injury UM/UIM may cover lost wages, medical bills, pain and suffering, disfigurement, and permanent or partial disability. Property Damage UM/UIM may cover automobile repairs, damage to any items in your vehicle, and car rental.
- Personal Injury Protection (PIP): This coverage pays for medical bills, funeral expenses, 80 percent of lost income, and the cost of a caregiver for an injured person, regardless of who was at fault for the accident.
- Med Pay: This covers medical expenses for all occupants of your vehicle who were injured in the accident, regardless of who was at fault. Limits are typically below $25,000.
Dedicated Advocates for Auto Accident Victims of Uninsured Motorist Tyler
Our advice after an accident is to not talk with insurance company representatives. Get in touch with our office and let our seasoned car accident attorneys deal with the insurance company on your behalf. We have many years of experience handling uninsured motorist accident claims and have successfully resolved over 20,000 cases.
Our legal team will investigate all aspects of your accident and the level of negligence that caused it. Our goal is to recover the maximum compensation you are entitled to receive and to get you and your family back on the road to recovery. For DUI-related accidents, you can contact our drunk driving lawyer as well.
Contact us today to schedule a free appointment to let us help you assess your legal rights and options.
Our firm has offices in the following locations: Corpus Christi, Corpus Christi South Side, Brownsville, McAllen, San Antonio, Houston, and Ft. Worth, TX.
Sources:
- Insurance Information Institute: Uninsured Motorists
- Texas Department of Insurance: Automobile Insurance Made Easy
ABOUT HERRMAN & HERRMAN PERSONAL INJURY LAWYERS
With over 100 years of combined experience among the legal team of Herrman & Herrman, P.L.L.C., our Texas personal injury attorneys have successfully resolved over 20,000 cases. When representing injured Texas residents, we fight for justice against wrongdoing and aggressively pursue the best resolution to complex personal injury claims.
If you or a loved one was injured, please get in touch with us for a free initial consultation and case evaluation. Herrman & Herrman, P.L.L.C., is a locally based law firm that holds negligent individuals and companies accountable for their wrongdoing. We are not a personal injury mill that advertises nationwide. We provide individualized advocacy in attending to all aspects of claims that involve. Our firm has offices in the following locations: Corpus Christi, Corpus Christi South Side, Dallas, Brownsville, McAllen, San Antonio, Austin, Houston, and Ft. Worth, TX.
We remain by our client’s side, handling all aspects of their claims and attending to all legal, medical, and financial needs. That dedication combines experience, legal knowledge, and insight from a former insurance adjuster and several former insurance defense attorneys. Whether our clients suffer from physical pain from an accident or the emotional grief of death, we treat clients with compassion. We put their mind at ease during difficult times by answering their questions concerning the length of their claim, medical bills, financial compensation, and their overall need for a lawyer.
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