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Uninsured / Underinsured Motorists

Uninsured/Underinsured Motorist Accidents and Your Options

If you are involved in an automobile wreck and the negligent driver did not have insurance, are you out of luck in recovering money for your injuries? What if the person who caused the collision did not carry liability insurance as required under Texas law?

In this all-too-common scenario, you will be compensated for the harms and losses you sustain if you have uninsured/underinsured motorist coverage, also known as UM/UIM. Uninsured or underinsured auto insurance covers you when someone else fails in his or her responsibility to carry insurance. Put another way, liability insurance protects other people if you are negligent; uninsured or underinsured coverage protects you when someone else who caused an accident failed to carry enough insurance (or any).

If You've Been Hit by an Uninsured or Underinsured Motorist, You Have Options

At Rush & Gransee, L.C., we are experienced Texas auto accident attorneys. We will assist you in all aspects of your claims and settlement process, including preparing all paperwork, helping with medical treatment and bills, car repairs and rental car arrangements. We deal regularly with the insurance companies and their attorneys, aggressively pursuing fair compensation for our clients for the injuries and damages they have sustained.

If we are not able to obtain adequate compensation through negotiation with the insurance company, we will take the insurance company to court in order to get what you rightfully deserve. We are proven and experienced trial attorneys in the state of Texas, and we know the rules of the road and the laws that pertain to automobile accidents. We use that knowledge to obtain the results our clients deserve.

Call or email us right now for a free consultation about your case. We take cases throughout the state of Texas and will travel to meet you at home or a location convenient to you. Don't settle for less than you deserve. Contact Rush & Gransee, L.C., today.

It is estimated that up to one-third of all drivers on the road have no insurance at all. They either cannot afford insurance or do not carry enough insurance to adequately protect the injured in an accident. This disregard for auto insurance regulations can leave other law-abiding drivers at serious financial risk for injuries sustained from a collision with one of these noninsured drivers. If you have been in an accident with an uninsured or underinsured motorist, it is critical to contact an experienced auto accident lawyer right away. You do not want to speak with the insurance carrier and inadvertently compromise your valuable rights. An attorney can advise you on what not to say to an insurance carrier and can help you get the full compensation you deserve for your injuries.

Uninsured Motorist

Uninsured motorist (UM) coverage is an elective coverage that can protect you in the event you have an accident with a driver who is not insured. As we have seen, many drivers on Texas roads do not carry insurance, so this type of coverage is valuable to purchase. It is important to contact your insurance carrier first if you have had an accident with an uninsured motorist, and you carry uninsured motorist protection. You must follow certain procedures in order to not forfeit your benefits. The San Antonio auto accident lawyers of Rush & Gransee, L.C., can best inform you of the procedures to follow in order to get properly compensated for your injuries.

Underinsured Motorist

As its name suggests, underinsured motorist (UIM) coverage protects you in the event the at-fault driver was not adequately insured to cover the amount of damages you sustained in the accident. Typically, the underinsured driver carries only the minimum legally required amount of liability insurance, which can be woefully inadequate in the event of a serious injury accident. Do not attempt to settle with an insurance company before first contacting a lawyer. You may forfeit your underinsured motorist benefits if you do not get "permission to settle" from your insurance carrier, or you might settle for much less than your UIM policy actually covers. Don't let this happen to you. Call our lawyers right away.

How to Make an Insurance Company pay via Uninsured or Underinsured Provisions

Recent Texas case law has made it difficult, but not impossible, to maximize your recovery under your UM/UIM policy. Currently in Texas, there is virtually no bad faith statute penalty for an insurance carrier refusing to pay benefits under the uninsured or underinsured provisions of a policy, even if it is clear that the at-fault driver was uninsured or underinsured. In other words, it can refuse to pay until you have a judgment or verdict against the at-fault driver or against the insurance company. This can now makes it necessary for you to sue your own insurance company in most circumstances.