2023-08-30 08:16:40
SPEAK TO CAR ACCIDENT LAWYERS AT (800) 863-5312 HOY
There is nothing scarier than being in a car accident and finding out that the other driver doesn’t have car insurance. How will he pay for her medical treatment and injuries? What if your car needs repair? How are you going to pay your bills? According to the Department of Insurance, 20% of drivers on the road do not have valid auto insurance, even though Texas requires all drivers to have valid auto insurance.
The good news is that you can still recover for your injuries, even if the other driver does not have insurance. At Zinda Law Group, we investigate and litigate hundreds of cases in which responsible drivers do not have auto insurance. Our experienced litigators understand how to find coverage and seek compensation for you. Rather than file a claim against the other driver’s insurance, we may pursue benefits under your insurance policy. Most people have “uninsured motorist” (UM) coverage. Uninsured motorist coverage covers you and your passengers when you are in a car collision with someone who does not have insurance.
If you’ve been injured and don’t know if the other driver has auto insurance, call us at (800) 863-5312 for a free consultation.
WHAT IS AN “UNINSURANCE DRIVER”?
And “uninsured driver” is simply a driver who does not have car insurance. An “uninsured motorist” policy can also potentially cover situations where:
The driver who crashed into you is gone (hit and run); The other driver’s insurance policy expires; The other person is denied insurance coverage; o The other driver’s insurance company becomes insolvent.
If we are not sure if the other driver has insurance, we will also ask for proof that they do not have insurance. This allows us to confirm all possible recovery paths for you.
DO I HAVE UNINSURED MOTOR COVERAGE?
If you have auto insurance, then you likely have uninsured motorist coverage. Uninsured motorist coverage comes standard with most insurance policies in Texas. Unless you have signed a document “declining” coverage, then it will be part of your policy. The reason is that, under Texas law, you are covered unless you have signed a document and specifically “opted out” of coverage. If you have the coverage, then it can range from $30,000 to $1 million. Most people don’t realize what their policy covers. If you have been in an accident with an uninsured driver, a car accident attorney can help determine what coverage you have.
WHO IS COVERED BY MY UNINSURED MOTOR COVERAGE?
Determining who is covered depends largely on what your specific policy says. However, in most cases, your policy will also cover family members and spouses. Passengers in your vehicle at the time of the accident may also be covered. Typically, uninsured motorist coverage follows the “vehicle,” meaning anyone in your vehicle may be covered under your policy. Be careful, however, with “excluded” people. Sometimes a policy will specifically exclude an individual from the policy’s coverage. If you want to be sure, we can help you determine who is covered under your policy.
OUR PROCESS – RESEARCH AND FIND COVERAGE
Identify all insurance policies
When we work on a claim for uninsured motorist benefits, the first thing we do is determine the insurance. Is there a far policy that covers the other driver? Do you have coverage? Is there any other insurance policy that covers this accident? These are all questions that we would investigate and answer for you at the beginning of your case. In order for you to file a claim later, we must give adequate notice to your insurance company. This will allow us to confirm coverage and find out what type of coverage you have.
Investigate the accident
Once we find the relevant policies and confirm coverage, we investigate the accident itself. Typically, we investigate how the accident occurred, who was involved, and any other issues that may arise in the future. This allows us to see the entire accident from your point of view, as well as that of the other driver.
While we investigate, you can continue to heal your injuries. If we confirm insurance coverage, we can continue working on the case. If there is no insurance coverage, then there is very little we can do.
Making a claim for uninsured motorist benefits
After we complete our investigation and you have completed your medical treatment, we generally make a claim for uninsured motorist benefits. The purpose of the claim is to recover the cost of your medical expenses, physical damage, emotional suffering, and everything else you had to go through. The process of filing a claim includes explaining to the insurance company how the accident occurred, why the other driver is responsible, what the other driver did wrong, your medical treatment, and an explanation of your injuries.
When the insurance company has all the documentation it needs to evaluate your case, it typically responds to us within three to five weeks with a settlement offer. After receiving an offer, our attorneys can help explain if we should file a lawsuit or if we should continue negotiating. This process can be very specific for each case.
Learn More: How to Negotiate with an Insurance Company
CAN I FILE A LAWSUIT?
In most cases, you can still file a lawsuit. Typically, you would sue the driver who crashed into you. However, after an accident with an uninsured driver, we already know that the other driver does not have any insurance coverage. This means that suing the other driver will probably get you nothing. Instead of suing the other driver, you would typically file a lawsuit against your own insurance company to force it to pay you benefits under your policy. This process can be confusing, but our experienced attorneys can help you through the entire process.
CALL THE CAR ACCIDENT ATTORNEYS AT ZINDA LAW GROUP
If you have been involved in an accident with an uninsured driver, call us at (800) 863-5312 for a free consultation. We can guide you through the entire process and investigate whether the other driver has coverage. You don’t owe us anything unless we can win your case. That’s our No Win, No Fee Guarantee.
Meetings with attorneys are by appointment only.
#Accident #uninsured #driver