Uninsured/Underinsured Car Accidents in Southlake
Getting into a car accident is a stressful experience. However, when the driver responsible for the crash is uninsured or underinsured, it can make matters worse. Although your insurance may cover you, it is not uncommon for adjusters to dispute the claim. Texas is a “fault” state when it comes to vehicle collision cases. In other words, when the at-fault driver is uninsured or has insufficient coverage, you could be left to foot the bill on your own. Most insurance policies require you to purchase coverage, but if your damages exceed the policy limits, you may need to consider other avenues.
When you are injured in an uninsured/underinsured car accident in Southlake, you might wonder about your options for financial recovery. A dedicated car accident lawyer from our firm could work with you to pursue all avenues to maximize your compensation.
Uninsured and Underinsured Car Accidents
In Texas, drivers are legally obligated to have car insurance. Despite this, many drivers are still uninsured or underinsured. In the event of a car accident with a driver who does not have insurance coverage or whose policy does not fully cover damages, the injured party is forced to use their own insurance policy to cover accident-related costs.
Uninsured motorist coverage protects those who are hit by drivers without auto insurance. Similarly, underinsured motorist coverage protects people who are hit by drivers whose insurance is insufficient to cover the damages or injuries they caused. Underinsured coverage is typically offered alongside uninsured as both types of insurance are mandatory and highly recommended for all drivers. A claim could reimburse losses such as:
- Lost income
- Medical care
- Pain and suffering
- Emotional distress
- Rehabilitation costs
With a qualified Southlake attorney, individuals hurt in a hit-and-run car accident could comfortably file a claim through their uninsured motorist coverage.
Steps to Take After an Accident With an Uninsured or Underinsured Driver
The steps someone takes immediately following a car accident can make all the difference in their claim for compensation. This is especially true of crashes with uninsured or underinsured drivers in Southlake. After an accident, be sure to:
- Stay at the scene
- Exchange contact and insurance information with the other driver
- Report the accident
- Document the details and take photos of the damage
- Notify insurance company
Once insurers are notified of the claim, a skilled car accident attorney could help draft a demand letter, using evidence such as:
- Photographs
- Medical records
- Surveillance footage
- Proof of lost income
- Eyewitness and expert testimony
Contact an Attorney About an Uninsured/Underinsured Vehicle Collision in Southlake
Hiring a lawyer to represent you could set you up for success after uninsured/underinsured car accidents in Southlake. The claims process can be complex, even when filing a claim with your insurance company.
Our experienced car wreck lawyers could help you get the full value of your uninsured or underinsured policy and file a personal injury lawsuit on your behalf. We could take care of everything for you so that you can focus on what matters most: recovering. Call today to schedule a consultation.