Uninsured and underinsured motorist accidents can leave you feeling uncertain about your options for recovery. In Texas, about 14% of drivers are uninsured, and many others have insufficient coverage to fully protect you. At Reynaldo Diaz Accident Injury Attorney PC, we understand the complexities of these cases and are dedicated to helping you navigate the legal process, ensuring that you receive the compensation you deserve.
Recover damages from uninsured and underinsured drivers
Uninsured motorists are drivers who operate a vehicle without any liability insurance, while underinsured motorists carry coverage that isn’t enough to fully compensate others for injuries or damages caused in an accident. If you’re hit by one of these drivers, recovering your losses can be complicated, especially if they have no means to pay for your medical bills, lost wages, vehicle repairs, and other damages.
In Texas, insurance companies are required to offer uninsured/underinsured motorist (UM/UIM) coverage, though policyholders can reject it in writing. This coverage can step in to protect you when the at-fault driver lacks sufficient insurance. However, filing a UM/UIM claim is not always straightforward and often involves negotiating with your insurer. If you’ve been involved in an accident with one of these drivers, contact Reynaldo Diaz Accident Injury Attorney PC to ensure you are fully compensated for your injuries and damages.
Common challenges of accidents with
uninsured & underinsured motorists:
- Difficulty recovering full compensation for damages
- Limited insurance coverage for medical bills and property damage
- Increased financial strain due to a lack of insurance support
- Complex legal processes for filing claims against uninsured drivers
- Difficulty identifying the responsible party when coverage is inadequate
- Prolonged negotiation processes with insurance companies
- Potential need to rely on personal health insurance for expenses
- Emotional and financial stress caused by the uncertainty of recovery
Why call an attorney specializing in uninsured & underinsured motorist cases
When you’re hit by a driver with little or no insurance, the path to financial recovery can become complicated fast. Insurance companies may attempt to deny or reduce your claim, and without proper legal guidance, you could end up covering costs that weren’t your fault. Reynaldo Diaz understands the laws and insurance nuances specific to Texas and can help protect your rights and financial future in these difficult situations.
Here’s how an experienced attorney can assist you:
- Evaluating your UM/UIM policy coverage and benefits
- Gathering evidence to support your injury and damage claims
- Communicating and negotiating with your insurance company
- Challenging denied or undervalued insurance claims
- Pursuing additional compensation through other liable parties
- Guiding you through complex legal and insurance procedures
- Ensuring all claims are filed correctly and on time
Types of damages covered by UM/UIM coverage
Medical expenses
UM/UIM coverage can help pay for medical bills related to injuries sustained in the accident, including hospital stays, doctor visits, surgeries, physical therapy, prescription medications, and emergency care, so you won’t be burdened with high out-of-pocket costs.
Lost wages
If you are unable to work due to your injuries, UM/UIM coverage can compensate you for the wages you lost during your recovery period. This includes both current lost income and potential future earnings if your injuries prevent you from returning to work.
Property damage
This coverage helps repair or replace your vehicle and other personal property damaged in the accident, such as clothing, electronics, or personal items. It ensures that the financial impact of repairing your vehicle and replacing belongings is not solely your responsibility.
Pain and suffering
UM/UIM coverage may include compensation for the physical pain and emotional distress caused by the accident and your injuries. This can account for the mental anguish, anxiety, depression, and overall diminished quality of life that you endure as a result of the accident.
Future medical expenses
If your injuries require ongoing medical care or long-term treatment, UM/UIM coverage can help cover these future costs. This includes any anticipated surgeries, rehabilitation, medications, or ongoing therapy that may be necessary as you continue to recover.
Loss of consortium
In cases where your injuries affect your relationship with a spouse, UM/UIM coverage can compensate for the loss of companionship, intimacy, and support.
Steps to take immediately after accidents with uninsured & underinsured motorists:
- Contact law enforcement to report the accident
- Gather information from the other driver, including their name, contact info, and vehicle details
- Take photos of the accident scene, vehicle damage, and any visible injuries
- Seek medical attention, even for minor injuries
- Notify your insurance company about the accident
- Review your uninsured/underinsured motorist coverage details
- Consult with an experienced attorney to understand your legal options
- Keep detailed records of medical treatments, expenses, and any lost wages
- Avoid discussing fault or making statements that could harm your case
Why choose Reynaldo Diaz after uninsured & underinsured motorist accidents?
Reynaldo Diaz is a dedicated attorney with years of experience handling complex cases involving uninsured and underinsured motorists. He understands the challenges of recovering damages in these situations and is committed to protecting your rights. Mr. Diaz works directly with clients to ensure their cases are handled with the utmost care and attention to detail. If you’ve been involved in an accident with an uninsured or underinsured driver, schedule a consultation with Mr. Diaz today to discuss your legal options.
