Uninsured Motorist Coverage Policy TexasDallas Uninsured Motorist Accidents Lawyer

For experienced legal help recovering compensation after an accident with an uninsured or underinsured motorist in Texas, you can count on the law firm of Dorothy Hyde. Dallas uninsured motorist accident attorney Dottie Hyde gives straight answers to your questions and aggressively fights for the full value of your case.

Find comprehensive information about uninsured motorist insurance coverage issues in Texas and your options for legal recourse.

Contact attorney Dorothy Hyde. If we don’t win your case, there are no fees!
Call Toll Free: 214-883-1700

What is uninsured motorist coverage? 

Many people ask, “do I need uninsured motorist coverage“? Populated with thousands of uninsured drivers that frequently hit and run, Dallas County is considered one of the state’s riskiest places for motorists. So the short answer is yes. Texas affords residents the opportunity to purchase insurance that protects against uninsured and underinsured motorists. This additional coverage is not mandatory, but optional.

Uninsured motorist coverage pays for bodily injury caused by an accident or a hit-and-run driver who is legally responsible for the injuries, but has no liability coverage.

What does uninsured motorist protection typically cover?

Also known as uninsured motorist bodily injury (UMBI) insurance, this policy may cover:

  • Medical expenses
  • Lost income
  • Pain and suffering
  • Disfigurement
  • Disability
  • Repairs for property damage

Under the terms of your uninsured motorist clause, the coverage extends to you, the passengers in the vehicle, your family members and/or any individuals who were driving your vehicle with permission.

What is the difference between uninsured and underinsured motorist coverage?

An underinsured driver has some liability insurance, but the amount is inadequate to compensate for the injured party’s actual damages. In these situations, underinsured motorist coverage (UIM) pays for the remaining monetary losses you are legally entitled to recover from the at-fault driver. In other words, UIM coverage “fills in the gap” in a policy claim. The amount payable varies and will be determined by policy limits outlined in your plan. This differs from uninsured motorist coverage (UM), which is intended for accidents with people who have absolutely no insurance whatsoever.

What happens if you’re in an accident with an uninsured driver?

Traffic accidents are terrifying enough without the prospect of figuring out who will pay for damages. Wondering what to do in case of a car accident with an uninsured driver? The unfortunate reality is that insurance companies, including your own, will find ways to lower payouts. In order to protect your rights and best interests, speak with uninsured motorist attorney Dottie Hyde, who will ensure you never have to cover out-of-pocket expenses for medical bills and damages.

When to make a UM or UIM claim

Given that more than 2.5 million Texas drivers are without auto insurance, having uninsured motorist coverage in a car accident can be life-saving. However, you must act quickly – usually within 30 days of the accident — by making your underinsured or uninsured motorist property damage claim.

Generally speaking, such claims entail the same sort of processes and procedures as a car accident claim, including investigations, release of medical records, and witness depositions. One significant difference is that if you cannot reach an uninsured motorist claim settlement with the insurer, you are unable to sue and will have to proceed with arbitration.

Suing an uninsured driver for car accident damages

Most uninsured motorists in Dallas who cannot afford basic liability coverage have little in the way of assets. This means accident victims could face substantial financial hardships without the benefit if UM coverage. For this reason, suing an uninsured driver is not common as it seldom results in monetary damages.

If, however, your uninsured motorist lawyer discovers the at-fault party has property or other hidden assets that could be used to pay a court judgment, a personal injury lawsuit may be warranted. A judge can put a lien on the assets, essentially freezing them until the case is resolved and a verdict is rendered.

Alternatively, the court may create a payment plan that forces the uninsured defendant to pay a certain base amount to the plaintiff every week or month.

Uninsured motorist lawyer Dallas Texas

If you have been involved in an accident with an uninsured or underinsured driver in Texas, partnering with an experienced personal injury law firm can make the difference between achieving a sizable insurance settlement and nothing at all.

Dottie Hyde is a leading car accident attorney, helping Dallas residents get the compensation they deserve. For a free, no-obligation consultation, call our offices at 214-984-3426. We never charge any fees until you get compensation for your injuries.

Uninsured and underinsured motorist car accident resources

  1. Texas DMV, Uninsured Motorist Coverage http://www.dmv.org/insurance/uninsured-motorist-coverage.php
  2. Watkins Insurance Group, Do Texas Drivers Need Uninsured and Underinsured Auto Insurance? http://www.watkinsinsurancegroup.com/texas-drivers-need-uninsured-underinsured-auto-insurance/
  3. Dallas Morning News, Dallas County’s uninsured driver rate speeds up http://www.dallasnews.com/news/transportation/20140816-dallas-countys-uninsured-driver-rate-speeds-up.ece
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