Being injured or suffering significant property damage in a car accident can be overwhelming. Especially so when a victim learns that the defendant has no or minimum coverage insurance. A serious accident will likely result in damages well in excess of the state mandated minimum coverage amounts. In this situation, the injured party may not know how to proceed. The goal of this series is to explain how uninsured and underinsured motorist coverage may provide another source of recovery and how to pursue a claim for damages. Another goal of this series is to provide information to assist you in choosing an attorney to represent your interests. If you have been injured by a driver with no or low insurance coverage, contact a lawyer as soon as possible following the accident.
The FAQs will discuss a number of important topics, including:
It is important for car accident victims to understand these points for a variety of reasons. First, once an accident occurs, the party suffering damages will need to have a basic understanding of how Texas treats uninsured and underinsured motorist insurance policies. Second, victims and their family members may not understand how to make a claim against this type of policy. This discussion will provide basic information about the process. Third, because the injured party is also the holder of the uninsured and underinsured motorist policy, one may be in the position of litigating a claim against his own insurance company. If the case does not reach a settlement, the victim should understand what to expect at trial. Finally, the role of counsel when dealing with insurance companies is an important one. It is important to understand how your selection of a law firm may impact the outcome of your case.
If you have been in an automobile accident and the offending driver is uninsured or carries minimum insurance coverage, we recommend contacting an experienced law firm as soon as possible. We suggest retaining a law firm with multiple attorneys who are Board Certified in Personal Injury Law by the Texas Board of Legal Specialization. The firm should have on-staff resources to act quickly to conduct an investigation of the matter and to access the necessary experts to support your case. These suggestions are applicable in Fort Worth, Dallas, and other areas of Texas.