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Uninsured Motorist Claims 2018-01-11T11:23:22+00:00


Uninsured and Under-Insured Motorist Claims in Texas

People injured in a car accident expect to receive compensation from the at-fault driver’s insurance company. But what happens when the driver responsible for causing the accident has no insurance or inadequate insurance to pay for your damages? In such a scenario, an injured party may make a bodily injury and/or property damage claim with his own insurance company provided he has uninsured or under-insured motorist coverage (UM / UIM).

If you have paid premiums to your insurance company to help cover you in the event of an accident with an uninsured or under-insured motorist, your insurance company would be required to pay any bodily injury or property damage you are legally entitled to recover from the at-fault driver.  If the at-fault has inadequate insurance, meaning your damages exceed his policy limits, your insurance company would pay the difference that the under-insured driver cannot pay.

Importantly, even if you have not paid for UM / UIM coverage, you would still be entitled to this coverage up to the minimum limits under Texas law  provided you have not signed a waiver of such coverage.  You should request a copy of all documents signed by you in the event your insurer tells you that you do not have UM / UIM coverage.

The Benefits of UM / UIM Coverage

UM / UIM coverage can pay the bills that should have been paid by the driver responsible for the accident in many different situations, including:

  • Accidents where the at-fault driver has no insurance or not enough
  • Hit-and-run accidents
  • Pedestrian accidents (Your insurance or the insurance policy of someone in your household can provide uninsured or under-insured motorist coverage even if you were injured while walking.)
  • Bicycle accidents (Again, your own policy or that of someone in your household could cover your property damage and personal injuries suffered while you were riding a bicycle.)
  • Accidents where you are a passenger in a vehicle hit by an uninsured or under-insured driver (Your own insurance or the insurance of someone in your household and the insurance of the vehicle’s driver may both apply).

In any of these instances, if you are making a claim against your own insurance policy or the insurance policy of someone in your household, you have a legal right to expect that your insurance company will deal with your claim in a reasonable and prompt fashion.

Wyly & Cook, PLLC Will Help Fight for Compensation

Our firm aggressively pursues our clients UM / UIM claims when their insurance company wrongfully denies or delays payment.  If you have questions regarding an accident caused by an uninsured or uninsured driver,  contact Wyly & Cook, PLLC at 713-236-8330 to speak with an experienced attorney or fill out the contact form on this page.  Initial consultations and case evaluations are free.