Uninsured and underinsured motorists create serious legal and financial challenges for injury victims. If an uninsured driver hit you in Austin, TX, McMinn Personal Injury Lawyers can help you recover the compensation you deserve through your own policy when you reach out at (512) 474-0222.
Being involved in a car accident is stressful enough. Recovery becomes even more complicated when the at-fault driver doesn’t have insurance. Contact us today for a free consultation with an Austin uninsured motorist claim lawyer.
When an at-fault driver in Austin, Texas, lacks adequate insurance coverage, your best option may be to file a claim under your own uninsured/underinsured motorist (UM/UIM) policy. McMinn Personal Injury Lawyers can help. We will:
Even your own insurer may push back or undervalue your claim. Our firm can step in to protect your rights and ensure a fair outcome. With over 40 years of combined experience and more than $500 million recovered for clients, McMinn Personal Injury Lawyers has earned national recognition for excellence in personal injury law.
Reach out to schedule a consultation with an Austin uninsured motorist claim attorney who will fight to make sure your claim is treated fairly.
Texas law requires all drivers to carry minimum liability insurance, but many still drive without it. If you’re injured by an uninsured or underinsured driver, your own UM/UIM coverage can help pay for your:
Texas insurers must offer UM/UIM coverage as part of every auto insurance policy. If you originally declined this coverage in writing, you may not be eligible to file a claim. Otherwise, these policies serve as a crucial financial safety net after a crash involving an uninsured driver.
UM claims are governed by contract law as well as personal injury principles. Even though you’re working with your own insurer, you must still prove the other driver was at fault and that your damages exceed their coverage. This is why having an Austin uninsured motorist claim lawyer is so important.
If your UM/UIM claim is successful, you may be entitled to recover compensation for:
Compensation may be limited by your policy’s coverage limits. Our firm will review all applicable policies to ensure you receive every dollar you’re entitled to under your plan.
Texas follows a modified comparative negligence rule with a 51% bar. This means you can recover compensation as long as you were not more than 50% responsible for the accident. However, your compensation will be reduced by your percentage of fault. For example, if you are awarded $100,000 in damages but found 30% at fault, you would receive $70,000.
If you are 51% or more at fault, you cannot recover compensation. This rule applies to uninsured motorist claims as well, since your insurer may argue that you share fault for the accident. Experienced Austin uninsured motorist claim attorneys know how to fight back against tactics that try to place the blame on the victim. We will counter attempts to prevent recovery.
The statute of limitations for personal injury claims in Texas is two years from the date of the accident. This deadline also applies to uninsured motorist claims. If you do not file your claim or lawsuit within this timeframe, you may lose your right to compensation.
In addition to legal deadlines, your insurance policy may include internal notice requirements. Delayed reporting could lead to a denial of benefits. For this reason, it is important to act quickly. An attorney will make sure deadlines are met.
Don’t let an uninsured driver or a reluctant insurance company stand in the way of your recovery. McMinn Personal Injury Lawyers has decades of experience handling complex car accident and insurance claims in Austin, TX.
Our firm has earned national recognition and recovered over $500 million for injury victims. We’re ready to help you fight for the compensation you deserve. Contact an experienced Austin uninsured motorist claim lawyer today to schedule your free consultation and get started on your case.
