Houston Uninsured and Underinsured Motorist Claims Attorneys

Drivers are required to have insurance, but as we all know, not everyone obeys the law. When an uninsured or underinsured driver is at fault for your injuries, you may still be able to file a claim. Texas has both underinsured motorist claims and uninsured motorist claims.

To be successful in an underinsured motorist claim, you must show that your medical expenses and other losses exceed 50% of the other driver's liability coverage. Uninsured motorist claims are more straightforward, as they require that the other driver has no insurance.

At The Shellist Law Firm, PLLC, we understand how difficult it can be to recover the compensation you need, especially when the other driver is not covered. Our Houston injury attorneys are here to help you obtain the financial benefits you deserve for your injuries and property damage.

For a free consultation with our team, call us at (713) 999-6855 right away.

How Underinsured Motorist Claims Work in Texas

To file an underinsured motorist claim, you must be able to show that the other driver's liability coverage is not enough to cover your medical expenses and other losses. Your evidence includes your medical bills and other related expenses, which you submit to the insurance company.

The insurance company then determines how much of your total losses are not covered by the other driver's liability coverage. If the insurance company agrees to your claim, they should compensate you.

Our firm is here to help you submit these claims and gather the proper forms. When a stingy insurance company fights back, we are here to help make sure you get the benefits you need.

How Uninsured Motorist Claims Work in Texas

Your insurance provider typically handles an uninsured motorist claim. If you have the right coverage, your insurer steps in and covers any damages or medical expenses caused by the other uninsured driver. These benefits can go up to the maximum limit of your coverage.

These claims can be complicated, and insurance companies often push back on them. Our team is here to help you get the benefits you need. If you do not have coverage that accounts for an uninsured motorist, we can help you find other options to receive compensation. When necessary, we can take the at-fault driver to court.

What to Do When an Uninsured or Underinsured Driver Hits You

1. Contact the police: Report the accident to the authorities and provide them with all the necessary information.
2. Gather evidence: Collect as much evidence from the scene as possible, including photos of the damage, the location of the accident, and any other relevant details.
3. Exchange information: Get the other driver’s contact and insurance information, even if they are uninsured or underinsured.
4. Notify your insurance company: Inform your insurance provider about the accident. If you have uninsured/underinsured motorist coverage, you may be able to file a claim with them.
5. Consult with a lawyer: Consult with our team, and we can guide you through the legal process and help you understand your rights and options.

What if the Driver Lies or Flees the Scene?

In this situation, your priority is to protect yourself.

Whenever you are in an accident, gather as much information as you can about the driver and their vehicle. Even if they seem cooperative, they could be lying. Look for identifiers such as license plate number, distinct physical features, etc. Also, take a good look at the car so you can describe it later.

If the driver has fled the scene, report the incident to the police as soon as possible. Then contact your insurance company to report the accident. They may be able to assist you with the claim.

Finally, contact our team. We can investigate your case. With our skills, we may be able to locate the offending driver and hold them accountable for their actions.

If you need help with uninsured or underinsured claims in Houston, our lawyers are here for you. You can schedule time with our team by contacting us online.