Uninsured/Underinsured Motorist Accidents

Uninsured/Underinsured Car Accident Attorney Houston, TX

Harris County UM/UIM Lawyer

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One of the first things Texas drivers are taught to do after a car accident is to collect the other driver's insurance information so that they can file a claim and recover compensation.

This is frequently a tense exchange, even under the best of circumstances. When you have been injured and know that the other driver is at fault, the absolute last thing you would want to learn is that the other driver has no insurance or that their insurance is inadequate to cover the extent of your injuries and damages.

However, the reality is that almost 15% of all vehicles are un-insured in Texas, and most insured drivers only have the minimum amount of coverage, currently $30,000.00 per injured person.  Therefore, having the added insurance to your car policy of Under-Insured and Un-Insured coverage protects you and your family after such a crash. 

How The Law Office of Shane R. Kadlec Can Help You

At the Law Office of Shane R. Kadlec, we frequently employ a number of legal strategies to obtain compensation for those who have been injured by uninsured or underinsured motorists. While the claims process will be a bit different, it is generally possible to recover financial damages despite the at-fault driver's lack of insurance. Our lawyers will discuss your legal options with you to determine which method or combination of methods is likely to be most effective in your case. You can not rely on an insurance company to give you good advice, so getting a Board Certified Personal Injury Lawyer to help you makes all the difference. 

Legal Options for Recovering Compensation in Texas

Many who have been injured by uninsured or underinsured motorists feel lost and unsure about how they will cover the costs of medical expenses or other expenses, especially if they are unable to work while they are recovering. Attorney Kadlec will strive to set you on the most expedient path to compensation, taking on the legal aspects of your case so that you can focus on your personal healing.

In general, most people have two options for recovering compensation when an uninsured driver was responsible for a car wreck. You can seek compensation from your own insurance company, or you can sue the driver directly.

Houston Accident Attorney for Pursuing Compensation Through Your Own Insurance

Whether this option is available will depend on your insurance policy. Many Texans carry insurance policies that include uninsured and underinsured motorist coverage. If you have this type of coverage, then you may be able to recover the compensation you need after a car accident.

You may think that when you deal with your own insurance company, you would not need a lawyer. However, your insurance company is still a for-profit business, and they are more interested in their bottom line than in making sure you have the financial resources you need. An attorney can often negotiate a much higher settlement than would otherwise be offered.

Filing a Lawsuit Against Careless Drivers

Filing a lawsuit against the driver who injured you may or may not be a worthwhile pursuit. It will be important for your attorney to investigate the driver's financial circumstances. After a judgment is won in Court against the un-insured defendant, steps can be taken to suspend their Texas Drivers License, until they pay the money owed to our clients. 

If the at-fault driver does not carry insurance because they cannot afford it, they likely cannot afford to pay a high-dollar settlement. However, more affluent drivers often carry no insurance because their licenses have been suspended or revoked for traffic violations or more serious offenses. In this case, it is more likely that you will be able to collect the compensation you are owed.

Proving Driver Negligence in Texas

Whether you recover from your own insurance company or sue the other driver, you must prove their negligence in causing the accident. Common negligent behaviors that cause car wrecks include:

• Distraction
• Speeding
• Intoxication

We will conduct a skilled investigation into the causes of your accident in order to build the strongest case possible on your behalf.

Compensation Available After a Car Accident

Attorney Kadlec will seek all available types of damages on your behalf. Compensable damages may include:

• Property damage
• Current and future medical costs
• Lost wages and lost future earnings
• Pain and suffering
• Emotional trauma

These are only a few examples of the types of damages you can recover compensation for in the wake of a motor vehicle accident.

Contact a Harris County Uninsured and Underinsured Motorist Accident Attorney

The Law Office of Shane R. Kadlec is experienced in recovering compensation for those who have been injured by uninsured or underinsured motorists. Our skilled Houston car accident lawyers will explore all possible options for recovering financial compensation. Contact us at 281-962-8949 to receive a free consultation.