Many automobile accidents result in claims that allow recovery under the Underinsured/Uninsured coverage on your own automobile. This coverage is very important to protect your right of recovery in the event you or a family member is insured as a result of the fault of a driver with no insurance to pay your damages, or in the event the at-fault driver has inadequate coverage to pay for your injuries.
There are important provisions in your automobile policy that you must comply with in order to protect your right of recovery in an Underinsured/Uninsured Motorist Claim. If you fail to comply with the terms of your policy, your own insurance carrier may reject your claim.
What UM/UIM Coverage Can Compensate You For
The Underinsured/Uninsured coverage under your policy allows you to recover damages for:
- Lost wages
- Lost wage-earning capacity
- Pain and suffering
- Physical impairment
- Physical disfigurement
- Medical bills in the past
- Medical bills in the future
Our office will evaluate both the liability issues and the damage issues if you have an Underinsured/Uninsured Motorist claim.
In the event the at-fault driver is uninsured, you may still be able to seek a recovery against the at-fault driver. There are legal mechanisms in place that may allow you to seek to have the State of Texas suspend an uninsured motorist’s driver’s license.
Examples of Common Claims
- Uninsured Motorist Claim: The at-fault driver has no liability insurance. Your own UM coverage steps in to pay your damages, and your insurer may handle the defense and settlement process.
- Underinsured Motorist Claim: The at-fault driver has insurance, but their limits are insufficient. Your UIM coverage pays the difference up to your policy limits.
Our office will evaluate your personal injury damages and the liability facts and present them to the insurance carrier on your behalf.
Statute of Limitations
Texas imposes time deadlines on claimants claiming damages under Uninsured and Underinsured Motorist Claims. If you fail to present your claim in a timely fashion, it may prevent you from recovery. Our office will evaluate deadlines applicable to your Underinsured or Uninsured Motorist claim.