If your wreck was caused by a driver without liability insurance—YOU STILL HAVE OPTIONS!

Uninsured drivers are a real danger on North Texas roads and highways causing car wrecks and motorcycle accidents all over the Dallas-Fort Worth Metroplex. Fatalities and serious injuries result from negligent drivers who fail to carry insurance as required by our state, causing even more problems for those they crash into.

It’s estimated that over 20 percent of Texas drivers are uninsured. That means that one out of every five drivers on the road is driving with no liability insurance to pay for any damage they cause to you, your passengers or your car. Worse yet, over half of the drivers who do have insurance only have the minimum amount as required by Texas law. This means that the most their insurance is obligated to pay to an accident victim is $25,000, which is clearly not enough for serious injury cases that include high medical bills, lost wages and pain and suffering.

With such a high number of drivers that are either uninsured or underinsured, it’s only a matter of time before you get caught in an accident with one of them. Are you prepared?

Click here to ask questions and get quick answers about uninsured motorist claims.

PROTECT YOURSELF FROM UNINSURED MOTORISTS

Texas insurance companies must offer uninsured motorist (UM) and underinsured motorist (UIM) coverage to every Texas auto insurance policy holder. If you purchase uninsured motorists coverage, your own insurance company will pay for property damages and injury damages when the other vehicle is uninsured. However, if you don’t carry a UM/UIM policy, you have no recourse with your own insurance company in the event that you’re involved in an accident with an uninsured motorist.

UM/UIM coverage is great insurance to have if you can afford it. Shelling out the extra cash for a UM premium is one of the best investments you can make. Nationwide, there are over 6 million motor-vehicle accidents annually—tens of thousands of which occur in Texas— so the statistical chance of getting into car accidents with uninsured motorists is alarmingly high.

Unfortunately, as long as the economy is in a tailspin, the number of uninsured motorists is only going to rise. Most uninsured motorists claim they don’t carry car insurance because they can’t afford it, and with an increasing number of families feeling a financial pinch, you’ll see an increasing number of uninsured motorists on the road.

HOW TO DEAL WITH UNINSURED MOTORIST CLAIMS

Just because you carry an uninsured motorists policy doesn’t mean your own insurance company is going to treat you fairly. It should, but that’s simply not always the case. Insurance companies are in the business of making money and the more they pay out in claims, the less money they make. It’s a cruel reality of business.

In order to be treated fairly, you will need an experienced injury attorney to fight for you and make sure you are fairly compensated. Without an experienced injury attorney, you won’t be able to achieve the maximum amount of compensation for your injuries.

For a free consultation with an attorney who is Board Certified in Personal Injury Trial Law and who routinely handles uninsured motorist claims, please contact the Anderson Law Firm at 817-294-1900.

MEDICAL BILLS MOUNT WITH NO INSURANCE TO PAY

If you are in a serious car wreck, your medical bills add up quickly. The ambulance ride and emergency room visit alone can put you out several thousand dollars. If you have to be admitted to the hospital, have surgery, or undergo physical therapy for an auto accident, you could easily be looking at $50,000-100,000 in medical bills. Think your health insurance company is going to pay those bills? Well, think again.

Also, many health insurance companies are reluctant to pay bills incurred from a car accident. They reason that the liable party’s auto insurance should pay the bills, so they leave the burden of the bills to you and the insurance company. If you’re injured in an auto accident with an uninsured motorist, those bills can fall squarely on your shoulders.

FREE CONSULTATION WITH BOARD CERTIFIED INJURY ATTORNEY

Don’t delay. Learn about your rights if you’re involved in a car accident with an uninsured motorist. The Anderson Law Firm offers free consultations to all injury victims. Call 817-294-1900 or Contact Us Online to learn more about your rights.