Most people do not imagine that they will get hit by an uninsured driver until it is too late. Having the right uninsured and underinsured motorist insurance coverage is more important than ever in 2020. If you are involved in an accident with a driver that you believe may be uninsured, call an experienced lawyer immediately.
The pandemic of 2020 has touched every aspect of American life. Millions of people are out of work and struggling to pay their bills. For some, financial problems may mean falling behind on their car insurance premiums, resulting in canceled policies and more uninsured drivers on the road.
When uninsured drivers cause accidents, it can leave victims with significant and potentially unrecoverable losses. Fortunately, there are ways that you can protect yourself from uninsured and underinsured motorists now and in the future. Read on to learn more.
Make Sure You Have UM/UIM Coverage
At a time when people are struggling financially, it’s extremely important to have uninsured and underinsured motorist (UM/UIM) coverage. UM/UIM coverage is exactly what it sounds like; it covers you in the event that you are injured by an uninsured or underinsured driver.
When you consider the fact that the expenses associated with a car accident can rise well into the tens of thousands of dollars, it only makes sense that you should carry UM/UIM coverage. Many people simply do not have any assets you can pursue after an accident, meaning that you may be personally on the hook for medical or repair bills that were entirely someone else’s fault. Fortunately, UM/UIM coverage can prevent this scenario from happening to you.
Call a Lawyer Immediately
If you are involved in an accident with a driver that you believe may be uninsured, the first call you make after you have been checked out by healthcare professionals is to an experienced lawyer. One of the most important things to understand as a car accident victim is that the insurance company is actively trying to minimize the amount it pays out – even if it’s your own insurance company!
Some of the ways that an experienced attorney can help you after an accident with an underinsured or uninsured motorist include:
- Determining whether you have a claim
- Identifying all liable parties
- Reviewing your insurance policy to assess whether you are covered
- Evaluating your losses and drafting a demand letter detailing the damages you seek
- Finding out whether the uninsured or underinsured driver has recoverable assets
- Negotiating with the insurance company on your behalf
- Filing a lawsuit against the other driver
How Much Will Legal Representation Cost?
It is understandable to be concerned about taking on additional expenses after you have been hit by an uninsured or underinsured driver. Fortunately, at Holladay Law Firm, we will never charge you up-front legal fees and only collect them if we win your case. This way, we can ensure that everyone who needs a lawyer can get one, regardless of your ability to pay.
Discuss Your Rights with a Spring, Texas Car Accident Lawyer
At Holladay Law Firm, we know how to help car accident victims obtain the compensation they deserve under Texas law. To schedule a free consultation with a Spring, Texas car accident lawyer, call us today at 281-984-3948 or contact us online.