Finding yourself involved in a car accident caused by someone else’s negligence is a truly challenging experience. Issues associated with an automobile accident appear to multiple when you learn that the other party to the accident was an uninsured motorist. You likely find yourself wondering what you can and should do following an accident involving an uninsured motorist.
Uninsured Motorist Insurance Coverage and a Claim for Compensation
Unlike many states, Texas does not require you to obtain uninsured or underinsured motorist coverage when you purchase an automobile insurance policy. With that noted, in order to forgo this coverage, you have to specifically opt out when you buy car insurance. In other words, there exists a presumption, underpinned by the laws of the state, that you will want this type of coverage.
In the event that you have an accident with an uninsured motorist, you make a claim for compensation with your own insurance company. Provided the other driver is deemed at fault, you are in a position to seek compensation up to the uninsured motorist coverage provision in your own insurance policy.
Depending on the facts and circumstances of the automobile accident, you may be able to make a claim for uninsured motorist coverage from more than one source. This can prove crucial if you have experienced significant injuries, damages, and losses in an accident.
If you have your own automobile insurance policy with uninsured motorist coverage, but you are riding in someone else’s vehicle who also has this type of coverage, you may be able to make claims against both insurance policies. This may be the case if another driver without insurance causes an accident while you are a passenger in your friend’s vehicle.
The Importance of Legal Representation
A car accident lawyer in Texas has the background and tenacity necessary to protect your important legal rights following an automobile accident with an uninsured motorist. Texas law can be particularly confusing when it comes to issues surrounding an uninsured motorist.
The first step in retaining skilled legal representation is scheduling an initial consultation with a car accident attorney. At an initial consultation, a lawyer will evaluate your case and explain in greater detail what can be done if the other party involved in your car accident is an uninsured motorist. There is usually no fee charged for an initial consultation with a Houston car accident attorney.