Fort Worth Uninsured and Underinsured Driver Accident Lawyers
Protect Yourself After an Accident With an Uninsured Driver
Getting into a car accident is stressful, but finding out the other driver doesn’t have enough insurance—or any at all—can make things even harder. In Texas, where uninsured and underinsured drivers are all too common, you might be left wondering how to cover medical bills and other unexpected costs. The good news? There are legal options to help you get the compensation you deserve.
At the Cain Firm, our Fort Worth uninsured driver accident attorneys are here to guide Texans facing the challenges of these claims. With our experience and insider knowledge of insurance tactics, we’ll fight to protect your rights and maximize your recovery. Let us handle your case so you can focus on what matters most—a full recovery.
Texas insurance requirements
In Texas, it is mandatory for all drivers to carry liability insurance that covers damages they may cause to others in the event of a car accident. The state sets minimum required coverage levels that drivers must maintain:
- $30,000 for bodily injury per person: This covers medical expenses for injuries to other people in the accident. If you cause an accident, your insurance will cover up to $30,000 in medical bills for each individual injured.
- $60,000 for bodily injury per accident: This covers the total medical expenses for all individuals involved in the accident. The $60,000 limit applies to the total amount your insurance will pay for bodily injuries to everyone involved in the crash.
- $25,000 for property damage: This covers the cost to repair or replace the other party’s property (like their vehicle, fence, or building) that was damaged in the accident.
While these minimums provide a starting point, they often aren’t enough to fully cover severe injuries or extensive property damage. If the at-fault driver doesn’t have enough insurance—or any—your uninsured/underinsured motorist coverage can help bridge the gap.
We stand ready to protect your rights, prove fault, and collect maximum tax-free payment for your injury claims.
What is uninsured and underinsured motorist coverage?
Uninsured/underinsured motorist (UM/UIM) coverage is designed to protect you financially if you’re in an accident with a driver who either doesn’t have insurance or doesn’t have enough to cover your medical bills and car repairs. It also applies in hit-and-run accidents where the other driver can’t be identified.
In Texas, insurance companies are required to offer UM/UIM coverage when you purchase a policy. However, it’s not mandatory to have it, and you can decline this coverage by providing a written notice to your insurer. While it’s optional, having UM/UIM coverage can be a lifeline in situations where the at-fault driver isn’t able to pay for your damages.
What to do after being bit by an uninsured or underinsured driver
Being hit by a driver without enough insurance can be stressful, but taking the right steps can protect your rights and help you recover compensation:
- Call the police: Report the accident immediately so law enforcement can document the scene and provide an official report. This report will be crucial for your claim.
- Gather evidence: Take photos of the damage, the accident scene, and your injuries. Get the other driver’s contact and insurance information, even if they admit to having no coverage.
- Seek medical attention: Even if your injuries seem minor, see a doctor right away. Medical records are vital for proving your case.
- Notify your insurance company: Let your insurer know about the accident as soon as possible, especially if you plan to use your UM/UIM coverage.
- Consult an attorney: Dealing with uninsured or underinsured drivers can get complicated. A lawyer can guide you through the claims process, negotiate with your insurer, and fight for the compensation you deserve.
Don’t let an uninsured driver leave you empty-handed
Dealing with an accident caused by an uninsured or underinsured driver can feel overwhelming, but you don’t have to face it alone. Taking the right steps and understanding that you have options can make all the difference in protecting your rights and securing the compensation you deserve.
At the Cain Firm, we’re here to help you navigate this challenging time with care and experience. No matter how complicated your case may be, we’ll stand by your side like family, fighting to get you the best possible outcome.
Contact us today for a free consultation and let us help you move forward with confidence.
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Why Do We Focus On Serious Injury Cases?
Our firm handles personal injury claims arising from serious accidents. We have mastered the laws in this arena, and we stand ready to protect your rights, prove fault, and collect maximum tax-free payment for your injury claims.