Getting involved in an accident is never easy, and it’s even worse when one of the parties is either uninsured or underinsured. And what’s surprising is how often this happens even to this day in a state like Texas. In this article, a Houston uninsured motorist attorney will give you the exact steps you should take after you’ve been in an accident with an uninsured driver, and how to get compensation. We’ll address the process for dealing with underinsured drivers as well.
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First, notify the police of an uninsured motorist. This creates a neutral third-party witness to the accident, and only the police can ticket the person for not having auto insurance. Second, get the personal information of the other driver. You can take a picture of their driver’s license and other documentation. Try to collect the contact information of any witnesses. Then give the other driver your information.
If you or someone else has been injured, then seek medical attention. This will minimize the potential long-term harm from the accident. Furthermore, it creates documentation you’ll need to seek compensation for your accident related medical bills from uninsured motorist or underinsured motorist.
As soon as possible, contact your insurance company. They can help you find out if the other driver was covered by another driver’s policy. For example, an uninsured motorist on the job may be covered by the employer’s insurance policy, or you may have recourse against the employer. This is a good time to ask about your coverage limits so you know if the policy is sufficient to cover your damages. Provide them with a copy of the police report once you have it.
After a car accident, there are two main types of claims you can make: bodily injury and property damage. Filing a property claim against your own insurance will be the fastest way to get the car repaired, while filing against their insurance or taking them to court will take longer due to the underinsured motorist. When there is significant property damage or a serious personal injury, you may need to go to court. A good Houston uninsured motorist attorney will be able to file a suit against the responsible party. They will also be able to help you fight the insurance company when they offer less than what is required to repair your car or compensate you for your losses.
Don’t confuse an uninsured motorist with an underinsured motorist. Underinsured drivers carry only the minimum insurance policy required by law – a modest liability insurance policy. This coverage is sometimes insufficient to cover serious injuries and damages after a wreck. The process for dealing with an underinsured driver is similar to dealing with an uninsured driver except the underinsured driver won’t be hit with a ticket for failing to have insurance.
In this case, you could seek legal representation to sue them for the damages they caused. For example, your auto insurer may only reimburse you for the current value of the vehicle, even though your car loan is for much more than that. If you don’t have gap insurance, you’re financially liable for the difference. A good Houston uninsured motorist attorney can help you to secure compensation for the damage to your car, high medical bills, and lost wages that weren’t covered by the other driver’s minimal insurance policy.
Texas drivers are at an unusually high risk of being hit by uninsured and underinsured drivers. Know what to do when you’re in an accident with one so that the process of getting back on your feet is as smooth as possible.