Skilled Attorney for Uninsured and Underinsured Motorist Accidents
Getting into an accident with a driver who does not have enough insurance can be particularly challenging. Insurance claims can be confusing and might not always provide the money you need. Understanding and skilled legal guidance can be key for injured people as they try to get their lives back on track.
Holladay Law stands ready to assist drivers in Houston and surrounding areas of Texas who were harmed by an uninsured or underinsured driver. With over 20 years of experience in personal injury law, firm founder R. J. Holladay is dedicated to helping you secure the compensation you deserve even in these complex situations.
Who Pays for the Damage Caused by an Uninsured or Underinsured Motorist?
An accident with an uninsured or underinsured motorist in Texas can be frustrating. Understanding who pays for the damages in such cases is a vital step in the claims process.
In Texas, drivers have the option to purchase uninsured/underinsured motorist (UM/UIM) coverage as part of their auto insurance policy. This coverage is designed to protect you if you are involved in an accident with a driver who has no insurance or does not have enough coverage to pay for your damages.
Unfortunately, even with this safeguard, insurance may not offer enough to cover the full amount of damages you suffer. That is why it is important to speak to a personal injury attorney shortly after a collision with an uninsured or underinsured driver. The firm can help you navigate the claims process and explore a personal injury lawsuit to get the full compensation you need to recover.
The Steps You Take After a Collision Can Impact the Outcome of Your Claim
Knowing how to handle a crash involving an uninsured or underinsured motorist can be key for Texas drivers. Some steps to take include:
- Protect your health and safety: Just like in other car accidents, the first step is to make sure everyone involved is okay. Move your car to a safe spot if you can, turn on your hazard lights and check everyone involved for injuries. Call an ambulance if needed.
- Call the police: Contact the police to report the accident. Their report is often the foundation of insurance claims or personal injury lawsuits.
- Exchange information: Get the other driver’s contact details, car information and insurance info if they have any. Write down everything you can, even if they do not have insurance.
- Notify your insurance company: Let your insurance company know about the accident as soon as you can.
- Contact a lawyer: Talk to a lawyer who knows about these accidents. They can help you understand your rights and work through the insurance claim process.
By following these steps, you can protect yourself after an accident with an uninsured or underinsured motorist.
Hit by an Uninsured or Underinsured Driver? Call Holladay Law.
When irresponsible motorists impact your health and your finances, Holladay Law is ready to stand with you. The firm offers free initial consultations to injured people in the greater Houston area. Call 281-984-3948 or contact the office online to schedule a conversation.