Did you recently get into a car accident with a driver who did not have a valid auto insurance policy? If so, you might be able to recover some compensation. The experienced legal team at Attorney Brian White Personal Injury Lawyers has over 20 years of experience helping injury victims get the money they deserve.
Our experienced Houston car accident lawyers have a proven track record of success, including cases involving uninsured and underinsured motorists. We can help you recover your medical expenses, lost wages, property damage, and other losses.
Call us today to speak to an uninsured motorist claim lawyer in Houston.
How Our Houston Uninsured Motorist Claim Lawyers Can Help You After a Crash With an Uninsured Driver
At Attorney Brian White Personal Injury Lawyers, we are committed to standing up for injury victims when they need it most. Below are some of the main ways that a Houston personal injury lawyer from our firm can help you.
Help You Understand Your Legal Options
When you get into an accident with an uninsured driver, you may not fully understand the routes you can take to recover the damages you deserve.
Fortunately, as soon as you hire us, we will sit down, review your case, and help you understand the best paths forward.
Process Your Claims Paperwork
The process of claiming compensation after a collision with an uninsured driver in Texas can require a lot of paperwork. From filing petitions with the court to requesting evidence from third parties, the list of tasks to complete can seem never-ending.
When you hire our team, you won’t need to spend time filling out and mailing reams of legal forms. Our skilled attorneys, paralegals, and administrative assistants will handle it all on your behalf, freeing you to focus on following your doctor’s orders and recovering from your injury.
Argue on Your Behalf at Trial
Depending on the circumstances surrounding your accident with an uninsured driver, your pursuit of financial restitution may go to court. There, a jury will review the details of your collision and your injury before deciding how much (if any) compensation you should receive.
Over the years, our attorneys have represented numerous clients in courtrooms throughout Texas. As such, we know how to argue a case clearly, concisely, and convincingly. When you hire us, we will use our knowledge to try to secure a favorable trial verdict for you.
As one of the leading personal injury law firms in Houston, TX, Attorney Brian White Personal Injury Lawyers has helped countless clients seek financial restitution after collisions with uninsured motorists.
If you would like us to do the same for you, reach out today to schedule a free consultation with one of our experienced attorneys.
For a legal consultation call (713) 500-5000
Uninsured Drivers in Houston: Understanding the Problem
In Texas, when a motorist collides with another vehicle, they are legally responsible for any resulting damages.
Because of this rule, Texas law mandates that all drivers must carry liability insurance coverage with the following minimum limits:
- Bodily injury coverage of $30,000 per person
- Bodily injury coverage of $60,000 per accident
- Property damage coverage of $25,000 per accident
Those who drive without liability insurance coverage in Texas can face fines and have their license suspended. Nevertheless, experts at the Insurance Information Institute estimate that about 14.1% of drivers in the Lone Star State are uninsured.
When these motorists get into accidents with other drivers, their victims often have trouble recovering the compensation they require to cover their medical bills, vehicle repair costs, and other expenses. As a result, they frequently end up covering these costs out of their own pocket.
We do not want you to have to deal with this nightmare scenario. If you sustained an injury in a collision with an uninsured or underinsured driver in Houston, please do not hesitate to call us. Our team is ready, willing, and able to help you fight for the financial restitution you deserve.
Houston Uninsured Motorist Accident Lawyer Near Me (713) 500-5000
How to Recover Compensation After an Accident With an Uninsured Driver
When Houston motorists get into collisions with uninsured drivers, they often believe there is nothing they can do to recover the compensation they need to pay their bills.
In reality, most injured parties have two options for pursuing financial restitution:
Filing a Personal Injury Lawsuit
In Texas, the fact that a driver does not carry a valid auto insurance policy does not mean that they can walk away from a crash without compensating the other party. They are still financially liable for the victim’s healthcare costs and vehicle repair bills.
Of course, most uninsured motorists will not willingly send money to the other party. Thus, individuals who suffer injuries due to a driver who did not have a valid insurance policy must typically file a personal injury lawsuit to recover compensation for medical treatment and other losses.
Most uninsured motorist personal injury lawsuits follow this timeline:
- Initial Filing: The injured party submits a petition to the court.
- Discovery: Both parties exchange documents, photographs, medical records, witness statements, and other evidentiary materials.
- Settlement Negotiation: Both parties sit down and attempt to hammer out a fair settlement deal.
- Trial: If the parties cannot agree to a settlement, the suit will go to trial, and a jury will decide how much restitution the victim should receive.
Given the many complexities of the legal process, it is generally wise for plaintiffs to hire an experienced injury attorney to represent them.
Filing an Uninsured Motorist Claim
Injured parties who do not wish to pursue a personal injury lawsuit against the driver who caused their auto accident may be able to recover compensation through an uninsured motorist claim with their insurer.
In Texas, insurance companies must include uninsured motorist coverage in every policy they sell unless the customer notifies them that they do not want it. As such, the vast majority of drivers on the road in the Lone Star State carry this coverage.
The process of recovering compensation by filing an uninsured motorist claim is as follows:
- Initial Filing: The injured party files a claim with their insurance company.
- Evidence Submission: The policyholder submits evidence of their accident and their injuries to their insurer.
- Settlement: The insurance company sends its policyholder the funds they need to pay their bills.
Unfortunately, insurers do not always make the process of claiming compensation through uninsured motorist coverage as simple as it should be. It is not unusual for insurance companies to deny and delay valid claims to boost their bottom line.
The best way for policyholders to reduce their odds of issues with their insurance company is to hire a skilled Houston car accident attorney to provide legal advice and help them file their claims.
Would you like to have the skilled car accident lawyers from Attorney Brian White Personal Injury Lawyers help you file a personal injury lawsuit or file a claim with your insurance company? If so, please call our legal team to schedule a free consultation at our Houston, Texas, law office at your earliest convenience.
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Statute of Limitations for Uninsured Motorist Claims in Texas
The statute of limitations for uninsured motorist claims in Texas depends on the route the injured party intends to take to recover their compensation:
Statute of Limitations for Personal Injury Lawsuits
Texas Civil Practice & Remedies Code section 16.003 states that the statute of limitations for personal injury suits in the Lone Star State is two years. This rule means that people who get into car crashes with uninsured drivers must file a petition with the court before the second anniversary of their crash.
Statute of Limitations for Uninsured Motorist Claims
While a first-party breach of contract lawsuit against an insurer for denying a valid UM/UIM claim carries a four-year statute of limitations under Texas law, separate tort claims for insurance bad faith must be filed within two years of the denial.
When insurance companies deny valid uninsured or underinsured motorist claims, victims can take legal action at any time until this deadline passes.
Do you need some help filing a lawsuit or insurance claim before your statutory window closes? Then please do not hesitate to reach out to our injury lawyers today. We are always ready, willing, and able to assist our friends and neighbors here in Houston.
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The Premier Car Wreck Lawyers in Houston, Texas
Over the years, the attorneys at Attorney Brian White Personal Injury Lawyers have helped the people of Houston recover financial restitution after everything from collisions with uninsured drivers to hit-and-run accidents, rear-end collisions, and rollover crashes.
If you would like to have us stand up and fight for you, all you need to do is pick up the phone and give us a call.
Call or Text (713) 500-5000 or Complete a Case Evaluation Form
