Dealing with the aftermath of a car accident can be stressful at any time, but it’s even worse if the other driver is uninsured. Although car insurance is a legal requirement for drivers in Texas, some sources suggest there could be up to one in five uninsured drivers. Here’s an overview of how a car accident lawyer in Katy, Texas can help and the different options you might have.
How Can a Car Accident Lawyer in Katy, Texas Help If the Other Driver Was Uninsured?
Submit an Insurance Claim
Although you can’t claim off a non-existent insurance policy, you might be able to claim under your own insurance. It’s possible to purchase uninsured motorist (UM) cover as an extra on your regular car insurance. This type of protection must be taken out before the accident takes place in order to be eligible to claim.
UM cover can include losses both as a result of bodily injury and damage to your car and property. Texas insurance companies are obliged by law to offer UM cover, but it’s not compulsory to take it out. If you have it on your policy, this is often the simplest way to claim for an uninsured driver.
Take Legal Action
If you don’t have UM cover, you could consider filing a lawsuit. There are drawbacks to this as even if you’re successful, the other driver must have sufficient assets to pay. As this option is fraught with potential difficulties, it’s essential to get advice from an experienced car accident lawyer. Click here for more information
If you’re unfortunate enough to be in a car accident with an uninsured driver, it’s important to consider your options. Although it’s much harder to get the compensation you’re entitled to, it’s not impossible. Skilled legal advice will help determine the right course of action and could lead to a successful compensation award.
Fortunately, a skilled lawyer can provide crucial assistance in navigating the complexities of such a case and ensuring you receive the compensation you deserve.
First and foremost, a lawyer can help you assess all potential avenues for recovery. This may include filing a claim with your insurance provider if you have uninsured/underinsured motorist (UM/UIM) coverage. They can help you understand the terms of your policy and ensure that your insurer processes your claim fairly and promptly.
In some cases, your lawyer may investigate whether the uninsured driver has any assets that can be pursued through a personal injury lawsuit. While this route can be challenging, an experienced attorney will thoroughly explore all options to determine if recovery is possible.
Additionally, lawyers are adept at handling negotiations with insurance companies. Even when dealing with your insurer, it’s not uncommon to face resistance or lowball settlement offers. A lawyer can advocate on your behalf, using evidence such as medical records, accident reports, and expert testimony to strengthen your case.
Beyond financial recovery, a lawyer also provides valuable guidance on legal procedures and deadlines. Filing claims or lawsuits typically involves strict time limits, and missing these can jeopardize your chances of obtaining compensation.
Finally, an attorney brings peace of mind during a stressful time. Whether through negotiations or litigation, a lawyer’s expertise can make all the difference in achieving a fair outcome after an accident with an uninsured driver.