Arlington Uninsured Motorist Lawyer
If you’re involved in a car accident with an uninsured or underinsured driver in Arlington, you may feel frustrated, confused, and overwhelmed. How will you pay for your medical bills, property damage, and other losses? Who can you turn to for help?
Don’t panic. Allbee Law Firm can handle the legal issues while you focus on recovering from your personal injuries.
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What is an Uninsured Motorist Claim?
Uninsured motorist accidents occur when an at-fault driver in an accident does not have car insurance, or the insurance coverage is not enough to pay for the damages incurred. Unfortunately, about one in eight drivers in the U.S. is uninsured and if you’re the unlucky driver who got into a fender bender because of someone else’s “uninsured” negligence, then you might be in for expensive medical bills, lost wages, property damage, not to mention the inconveniences that come with these types of things.
Filing a claim with your own insurance company under the uninsured/underinsured motorist (UM/UIM) coverage is usually the way to go, however, you might discover later on that it’s not as easy as it sounds.
How Does Uninsured Motorist Coverage Work in Texas?
Uninsured motorist coverage works by providing additional coverage to the policyholder when they are involved in an accident with an uninsured or underinsured driver. The policyholder’s insurance company pays for the damages that the at-fault driver would have been responsible for if they had insurance.
There are two types of uninsured motorist coverage in Texas:
Uninsured Motorist Bodily Injury (UMBI) Coverage
This covers medical expenses, lost wages, and pain and suffering if you or your passengers are injured in an accident with an uninsured or underinsured driver.
Uninsured Motorist Property Damage (UMPD) Coverage
This insurance coverage covers the cost of repairing or replacing your vehicle and any other property that was damaged in an accident with an uninsured or underinsured driver.
How Do You Make a Claim For Uninsured Motorist Coverage In Texas?
To make a claim for uninsured motorist coverage in Texas, you need to contact your insurance company as soon as possible after the accident. The insurance company will investigate the accident and determine if the other driver was uninsured or underinsured. They will also evaluate the damages and determine how much compensation you are entitled to receive.
If the insurance company refuses to pay or offers an inadequate settlement, an Arlington uninsured motorist lawyer at Allbee Law Firm can help you seek the financial compensation you deserve for your injuries.
Why Do You Need a Lawyer for Uninsured Motorist Claims in Arlington?
Let’s be honest, dealing with insurance companies can be a pain in the neck. It’s like trying to reason with a toddler who doesn’t want to share their toys. While it is possible to file an uninsured motorist claim on your own, it can be a complex and challenging process. Insurance companies may try to deny or undervalue your claim, and that’s where an experienced Arlington uninsured motorist lawyer comes into the picture.
With Allbee Law Firm on your side you won’t have to deal with the headache. We’ll handle all the paperwork, negotiations, and legal jargon. We’ll fight to get you the maximum compensation you deserve so you can focus on getting back on the road!
Speak With An Arlington Uninsured Motorist Lawyer For Free
What Can Allbee Law Firm Do For You?
You need an Arlington uninsured motorist lawyer who knows how to negotiate, litigate, and advocate for your rights. Someone who can speak their language, but also knows how to translate it into plain English. Someone who can make them pay attention and pay what you are truly owed. Someone like the experienced Arlington personal injury lawyers at Allbee Law Firm.
We’ve handled many UM/UIM cases in the Dallas Fort Worth Metroplex. We’ve helped clients recover millions of dollars in compensation for their injuries and damages and we’ve also made them smile, or at least not frown, during the process. Why? Because life is too short to be serious all the time.
With our help, you can be sure to get the maximum compensation and peace of mind you deserve. We will assist you through:
Free Consultation
Allbee Law Firm offers free consultations to people who have been injured in car accidents. During the consultation, you can explain the details of your accident, your injuries, and how they have affected your life.
You can speak with an Arlington car accident lawyer in person, on the phone, or via video chat. The lawyer will provide an overview of the car accident claim process, including the types of compensation you can receive and how a personal injury attorney can help you build a successful case.
We offer free consultations to all personal injury victims, and we work on a contingency fee basis, which means you won’t have to pay anything unless we win your case!
Case Investigation
When seeking compensation from an insurance company for a car accident, evidence is necessary to show the details of the accident, the extent of injuries sustained, and to prove the case. Allbee law firm will collect evidence, such as accident reports, pictures, videos, witness statements, and medical bills, to help prove the case.
Setup Your Insurance Claim
We realize that our clients are busy and don’t deal with insurance companies daily. For this reason, we will set up all insurance claims related to your case. Setting the claim up for you eliminates the possibility of you accidentally saying something that will hurt your car accident case.
Help With Medical Treatment
We understand that medical bills can add up quickly. In many situations, we are able to help our clients receive medical treatment under a Letter of Protection (LOP.) An LOP is a document that ensures that you will receive medical attention for your injury and be able to pay for it from your settlement proceeds in the future.
Negotiate Your Car Accident Case
Once you have received the necessary medical treatment and therapy for your car accident injuries, we will create a demand package that includes evidence to prove your case. The package will be reviewed before being sent to the insurance company. The insurance company will review the package and send a settlement offer, which our Arlington uninsured motorist lawyers review and discuss with you. We will continue to negotiate until we receive the insurance company’s top settlement offer.
Settle Your Car Accident Case Or File A Lawsuit
Once we receive the top settlement offer, we will discuss help you determine if it’s in your best interest to accept the settlement offer or if we should sue the insurance company.
If you choose to settle, we will negotiate with medical providers to ensure you receive maximum compensation. It takes several days to weeks to receive the settlement check and for everyone to be paid.
If you decide to file a personal injury lawsuit, we will start that process and explain each step before we get there. We have litigated numerous cases through the years, so we feel “right at home” in the courtroom.
Arlington Uninsured Motorist Lawyer FAQs
Can you sue an uninsured motorist in Texas?
Yes, you can sue an uninsured drivers in Texas. However, keep in mind that collecting damages from an uninsured driver can be challenging, as they may not have the financial means to pay for the damages. This is why having uninsured motorist coverage is crucial, as it provides a more reliable source of compensation.
How does underinsured motorist coverage work in Texas?
Underinsured motorist coverage (UIM) in Texas provides protection when the at-fault driver has insurance, but their policy limits are not sufficient to cover the damages incurred in an accident. In such cases, the not-at-fault driver’s underinsured motorist insurance company can help pay for the remaining expenses, such as medical bills and property damage, up to the limits of their underinsured motorist policy.
What happens if the person at fault in an accident has no insurance in Texas?
In Texas, if the person at fault in an accident has no insurance, the not-at-fault driver can use their uninsured motorist insurance coverage (if they have it) to cover damages resulting from the accident. If the not-at-fault driver does not have uninsured motorist coverage, they may have to pay for their own damages out-of-pocket.
What is the difference between uninsured motorist and underinsured motorist coverage?
Uninsured motorist and underinsured motorist coverage are two different types of insurance coverages designed to protect drivers in case they are involved in an accident with a driver who either does not have insurance or has insufficient insurance. These two coverages are distinct from the required liability insurance.
Uninsured Motorist Coverage
UM coverage protects you when the at-fault driver in an accident does not have any insurance or when you are involved in a hit-and-run accident where the responsible driver cannot be identified. It covers your medical expenses, lost wages, and property damage up to the limits of your policy.
Underinsured Motorist Coverage
UIM coverage comes into play when the at-fault driver in an accident has insurance, but their policy limits are not sufficient to cover all the damages resulting from the accident. In such cases, UIM coverage can help pay for the remaining expenses, such as medical bills and property damage, up to the limits of your UIM policy.
While both coverages offer protection against drivers with insufficient or no insurance, the primary difference between UM and UIM is the status of the negligent driver’s insurance coverage. Uninsured motorist coverage addresses situations where the at-fault driver has no insurance, while underinsured motorist coverage deals with cases where the at-fault driver’s insurance is inadequate to cover the damages caused.
Will my insurance go up if I get hit by an uninsured driver in Texas?
In Texas, your insurance rates should not increase if you get hit by an uninsured driver and you are not at fault for the accident. However, insurance companies consider many factors when determining rates, and it is essential to discuss your specific situation with your insurance agent to understand how your rates may be affected.
What is the statute of limitations on uninsured motorist coverage in Texas?
In Texas, the statute of limitations for filing a bad faith claim under an uninsured motorist policy is generally four years from the date of the accident.
Exceptions may apply, so it’s essential to speak with an experienced Arlington uninsured motorist lawyer early in the process to make sure you meet all necessary deadlines.
Contact an Uninsured Motorist Lawyer Today
If you’re in a car accident with an uninsured or underinsured driver, don’t be alarmed. Call us today at Allbee Law Firm (817) 244-6453 and we will go toe-to-toe with your insurance company.
We work on a contingency fee basis, which means you don’t pay us anything unless we win your case. Don’t wait; contact us today to get started.