Texas law requires every driver residing in their state to purchase automotive insurance that covers certain minimums in case they are ever in a car accident. The law does not guarantee compliance, and hundreds of people, if not thousands, in Texas each year are hit by uninsured or underinsured motorists. When this occurs, complicated litigation can arise that requires the attention of a highly-experience car accident lawyer.
At Gowan Elizondo, our personal injury attorneys in Corpus Christi bring more than 55 years of combined legal and trial experience to the table whenever our clients need help with an uninsured/underinsured (UM/UIM) claim. Our focus never leaves our clients, for we know that they are relying on us to help them afford the medical treatments and costly vehicle repairs that were the consequence of their crash. Contact us today to learn more about our legal services.
The whole purpose of car insurance is to quickly get money to injured parties for repairs and medical treatments. An uninsured driver is simply someone with no insurance, and an underinsured driver is someone who has been sold an insurance policy that does not meet Texas’s legal minimums.
An underinsured driver that causes an accident could be sued, and represented by their insurance company, for their lack of proper coverage. An uninsured driver would likely have to be sued directly. They may claim that they do not have the finances to pay you back but that is something a judge can decide, perhaps creating a gradual repayment plan. The point is that you should always consider all of your legal options after being in an uninsured car accident.
A driver that strikes another vehicle and leaves the scene before they can be positively identified is a hit-and-run driver. In Texas, this type of driver is technically considered an uninsured motorist. If you have purchased uninsured motorist coverage from your own insurance company, they should step in and provide the monies you need to repair and recuperate. If they do not, it may be possible to bring a lawsuit against them for proper compensation.
The complications of a UM/UIM auto accident claim are varied and many. Rather than trying to piece it all together into a cohesive case, allow our professional Corpus Christi personal injury lawyers do that for you. Our decades of experience and legal know-how can give you the advantage you need to ultimately receive all the compensation you deserve.
Call us at (361) 433-0770 to talk about your case today.