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Uninsured Motorist Claims


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“Underinsured motorist” means that the person driving the vehicle who caused the accident is not carrying liability insurance coverage at the time of the accident. This can also be a hit and run or a situation where the negligent driver had insurance coverage but the liability coverage lapsed.

 

Texas has a very high rate of uninsured drivers, with an estimate of approximately 20% of all the motorists on the highway in Texas being uninsured. There are many reasons for such a high rate of uninsured drivers. One of them is probably the state of the economy and another is the very high rate for auto insurance in Texas. There are many things that our political leaders could do to reduce the cost of car insurance in Texas. They enacted pretty severe “tort reform” and that has proven only to give windfall profits to the insurance company and not to have reduced Texas insurance rates by any stretch of imagination.

 

Underinsured and uninsured motorist coverage is part of the typical “full coverage” automobile policy. The minimum liability limits usually coincide with the current statutory minimum, which at present are 30,000 per person and 60,000 per accident.

 

Making a claim against your own insurance company can put you in an adverse situation with them. Obviously it is a conflicted situation for the insurance company because they owed duty to their policyholders yet they want to pay as little as possible for an injury claim.

 

If you make an uninsured motorist claim you will need to provide certain information to your insurance company to enable them to start an investigation of the accident.

 

There are many special situations, which the unsuspecting injury victim can find when making an insurance claim with their own company. Questions like what specific policies apply and things like hospital liens can serve to complicate what should be a straightforward claim handling process.

 

If you have questions regarding an uninsured or underinsured motorist claim contact an experienced Austin personal injury attorney to discuss your claim prior to making any decisions or signing any documentation.

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