Plano Uninsured Motorist Accident Attorney
Based on an Insurance Research Council (IRC) study, 12.6 percent of motorists were uninsured in 2019. These uninsured motorists opt not to carry auto insurance because of the extra expense, or they just let their insurance policies expire, or they drive a motor vehicle that they don’t have the legal right to operate. But when uninsured motorists drive and cause a serious accident, it results in legal complications for everyone involved, especially for injured victims.
If you have been injured in an uninsured or underinsured motorist accident, get in touch with us here at The Law Office of Joel M. Vecchio, P.C. Our experienced Plano uninsured motorist accident attorney can explain your legal options and help obtain the compensation you need to cover your injuries and/or property damage.
Texas Auto Insurance Requirements
All motorists in Texas are required to carry liability insurance for covering costs to repair another motorist’s vehicle if they caused the auto accident. Liability coverage will likewise cover the medical treatment and related expenses of the other motorist and, if applicable, the motorist’s passengers. Texas motorists must carry the following minimum liability insurance requirements:
- Property damage – $25,000
- Bodily injury per individual – $30,000
- Bodily injury per accident – $60,000
Damages for bodily injury may include:
- Costs for all medical treatment
- Lost wages
- Pain and suffering
- Qualified out-of-pocket expenses
- In case of wrongful death, burial and funeral expenses
Damages for property damage may include:
- Costs to repair the vehicle
- The vehicle’s fair market value, but only up to the coverage limits, if it was totaled
- Rental expenses while the vehicle is being repaired
- Personal property damaged or lost in the accident
Who Pays Compensation in an Uninsured Motorist Accident?
If the at-fault driver doesn’t have insurance or the driver’s coverage limits won’t suffice to cover all your losses, you can claim compensation from your own auto insurance provider. Underinsured or uninsured motorist policy or collision coverage could cover all or shoulder the difference. Your insurer may likewise use your medical payments (MedPay) or PIP (personal injury protection) coverage.
The catch here is that this will only apply if you have these optional insurance policies. And if you do, you’ll also need to pay a deductible. You may also be able to file a claim with your health insurance provider, but again, you’ll also need to pay a deductible.
What If The Insurance Company isn’t Playing Fair?
Under the law, your insurance provider must protect your interests and treat you fairly when handling a claim. But in reality, insurance companies only look out for their own interests. This is why it’s best to let an experienced lawyer fight it out with shady insurers. Unlike them, your lawyer will uphold your rights throughout the claims process and advise you on how best to handle your claim.
Seek Legal Advice from an Experienced Plano Uninsured Motorist Accident Attorney
If you or a family member has been injured in an accident involving an uninsured or underinsured motorist, contact our experienced Plano uninsured motorist accident attorney by calling 972-380-4444 or contacting us online. All consultations here at The Law Office of Joel M. Vecchio, P.C., are free, and since we work with clients on a contingency fee agreement, you’ll owe us nothing unless we secure compensation for your claim.