Parker Law Firm, PLC

Texas law requires that drivers obtain auto insurance coverage so that when Texas car accidents occur, people who have suffered losses as a result will have an outlet for recovery.  Unfortunately, not everyone in the state follows this law, and national estimates indicate that as many as 20 percent of drivers do not have any sort of auto insurance coverage.  When someone has been hit and injured by someone who does not have coverage, that person needs to seek the immediate help of experienced Texas car accident attorneys.  Below is a brief introduction to this issue.

Texas Uninsured Motorist Options

When someone is injured by an uninsured motorist in a Texas car accident, that person will usually need to turn to his or her own insurance coverage for help.  Most auto insurance policies have a type of coverage included that is known as uninsured motorist coverage and/or under-insured motorist coverage.  This type of coverage is put in place to protect those who are harmed in this exact type of scenario, and the first step that should be taken by anyone who winds up in this situation is to file a claim with his or her insurance company.

In addition to the injured person’s own insurance coverage, the injured motorist could also file a Texas personal injury lawsuit against the other driver.  While this is sometimes an advisable step, often times it is not because many people do not have insurance simply because of a lack of funds.  This decision should be made with the help of experienced Texas car accident lawyers.

Texas Uninsured Motorist Issues

While the injured motorist’s own insurance coverage could be an option for recovery of damages, the process of filing a claim of this type and recovering as a result of the claim can be complicated and anything but smooth.  That’s because insurance companies are governed by stock value and by profit, which means that even though an injured motorist may have been faithfully paying his or her premiums on time for many years, that track record may not provide any benefit to that person.

When these situations arise, those who have been harmed should file the initial claim with the insurance company and then seek the proper help and advice before proceeding any further.  Specifically, the help of Texas car accident lawyers should be obtained before providing any statements, documents or other evidence in furtherance of this claim, as any mistakes made during this process could ultimately harm the result.

If you or someone you love has been harmed by an uninsured motorist, contact Parker McDonald, P.C. immediately to schedule a free initial consultation.