Uninsured and Underinsured Motorist Accidents in San Antonio: What Are My Options?
Being involved in a car accident can be a traumatic experience, and it’s even more challenging when the other driver doesn’t have enough insurance or no insurance at all.
At Raúl B. Rodriguez Law, P.C., we understand the concerns and worries that come with such incidents. Our experienced team is dedicated to helping you navigate the complex process of seeking compensation for your losses.
What Happens When the Other Driver is Uninsured or Underinsured?
In Texas, all drivers are required to carry liability insurance to cover personal injury and property damage expenses in case of an accident. However, some drivers fail to comply with this law, leaving victims with significant financial burdens.
If you’re involved in an accident with an uninsured or underinsured driver, you may be worried about how to cover your medical bills, vehicle repairs, lost wages, and other expenses.
Uninsured and Underinsured Motorist Coverage: Your Safety Net
Uninsured and underinsured motorist coverage is an optional insurance policy that can provide financial protection in such situations. This coverage kicks in when the at-fault driver lacks sufficient insurance or no insurance at all. With this coverage, your own insurance provider will compensate you for hospital bills, vehicle damage, and other accident-related costs, per the terms of your policy.
What to Do After an Uninsured or Underinsured Motorist Accident
If you’re involved in a car accident with an uninsured or underinsured driver, it’s essential to take the following steps:
- Gather evidence: Collect medical notes, bills, police reports, accident reports, photographs, witness information, insurance policies, and any other relevant documents.
- File your insurance claim: Notify your insurance company and file a claim as soon as possible. Be aware of the deadline for filing a claim, and don’t miss it.
- Seek legal advice: Consult with an experienced San Antonio car accident attorney who can guide you through the process and help you navigate the complexities of uninsured and underinsured motorist claims.
Possible Awards for Uninsured and Underinsured Motorist Accidents
You may be eligible to recover damages for:
- Current and future medical bills
- Current and future lost wages
- Physical pain and suffering
- Mental anguish
- Lost enjoyment of life
- Property damage
- Other recoverable losses
Frequently Asked Questions
Q: What if the other driver doesn’t have enough insurance to cover my damages?
A: If the other driver is underinsured, your underinsured motorist coverage can kick in to cover the remaining costs, up to the limits of your policy.
Q: What are my options for seeking compensation if the other driver doesn’t have insurance?
A: If the other driver is uninsured, you may be able to file a lawsuit against them to seek compensation for your damages. However, it’s important to note that uninsured drivers often lack the financial means to pay a judgment, which can make it difficult to collect the compensation you’re owed. In such cases, having uninsured motorist coverage can provide a more reliable source of financial recovery.
Q: How long do I have to file an uninsured or underinsured motorist claim?
A: In Texas, the statute of limitations for filing a personal injury claim is two years from the date of the accident. However, it’s crucial to consult with a San Antonio car accident attorney to determine the specific deadline for your case.
Q: What if I’m partially at fault for the accident?
A: Texas follows modified comparative negligence laws, which means that if you’re found to be more than 50% at fault, you may not be eligible to recover damages.
Get the Help You Deserve
At Raúl B. Rodriguez Law, P.C., we’re committed to providing personalized representation and aggressive advocacy for our clients. Our team is dedicated to helping you navigate the complexities of uninsured and underinsured motorist claims and ensuring that you receive the compensation you deserve.
Don’t hesitate to contact us for a free consultation. Call us today at 210-899-3822 to schedule a meeting with an experienced San Antonio car accident attorney.