Dallas Attorneys for Uninsured Motorist Claims
Studies indicate that at least 8.3 percent of Texas drivers are uninsured. That equals close to 1.5 million people driving without car insurance protecting them. That also means almost 1.5 million drivers don’t have insurance to protect you, either.
If you have been injured in a Dallas accident that was caused by an uninsured motorist, you may not know where to turn for help with your claim. The Dallas car accident attorneys with The Benton Law Firm can help you navigate the traumatic experience of being involved in a collision with an uninsured or underinsured driver.
At The Benton Law Firm, we understand the daily struggles that you may face after being involved in an uninsured motorist accident. There are bills to pay and car repairs to be made, but should these expenses come directly out of your pocket? Not if you weren’t responsible for the crash. Let the experienced attorneys at The Benton Law Firm help you manage your uninsured motorist claim. We want to pursue full and fair compensation for your injuries on your behalf.
Contact our Dallas office today by calling (214) 777-7777 to set up a free case evaluation. We will sit down with you to review your case and discuss your options.
Why You Need an Attorney
The most common mistake that people injured in car accidents caused by others make after a collision is not hiring an experienced attorney to help them file their claim. Too often, people think they only need the advice of an attorney if they are planning to sue. That isn’t the case. An attorney can advocate for you and protect your rights from the sometimes-predatory tactics of car insurance providers who may offer you a lowball settlement.
Insurance companies are for-profit businesses. Their goal is to turn a profit and increase their margins. One way to accomplish this is to offer car accident victims significantly less than what their claim is worth. People desperate for financial relief will accept an initial offer, only to realize too late that the money isn’t going to cover their financial losses. That’s why you need an experienced uninsured motorist attorney who can help you with your insurance claim on your side.
An attorney will advocate for you. At The Benton Law Firm, we carefully review the details of your case and manage all communication between you and the insurance provider. We will also negotiate aggressively on your behalf for the money you deserve. When an insurer fails to negotiate in good faith, we aren’t afraid to prepare your court case. After an accident with an uninsured or underinsured motorist, you may be at your most vulnerable. We set our sights on earning you fair compensation while you focus on your health and mental well-being.
Are You Required to Have Uninsured Motorist Coverage in Texas?
If you plan on operating a car on Texas roadways, you must have the legally required minimum amount of liability car insurance. This coverage is generally referred to as basic coverage and should include:
- $30,000 for bodily injury per injured person
- $60,000 for total bodily injury if two or more people are injured
- $25,000 for property damage
Technically, you are not legally required to carry uninsured motorist coverage in Texas. However, insurance companies must offer uninsured and underinsured coverage options to policyholders. In many cases, to opt out of uninsured motorist coverage, a carrier may require you to decline the coverage option in writing.
What Is Uninsured Motorist Coverage?
Uninsured motorist coverage or UM and underinsured motorist coverage, UIM, is generally supplemental insurance coverage meant to protect you if you are involved in an accident with an uninsured motorist. Typically, when an accident occurs, and you are not at fault, you would exchange information with the other driver and file a claim with their insurance provider. When an uninsured motorist does not have coverage, where do you turn for compensation? If you carry UM/UIM coverage, the answer would be that you can turn to your own insurance provider.
In most cases, uninsured motorist coverage will cover your medical expenses and property damage up to the limits of your policy. Many uninsured motorist policies will have a deductible you must meet before your insurance provider will pick up the tab for your losses. Underinsured motorist coverage protects you in the event an accident is caused by a person who does not carry enough car insurance coverage to pay for your medical expenses or property damage.
Additionally, UM coverage can help cover your expenses if you are involved in a hit-and-run accident and the driver is not identified.
How Much Is an Uninsured Motorist Claim Worth?
The value of your claim can depend on several factors, including how the accident was caused and the severity of your injuries. An uninsured motorist claims attorney can review your case and help calculate your financial losses. This estimate is the number your attorney will use when negotiating with your insurer for a fair settlement. Your attorney can also review your uninsured motorist policy and help explain the potential limitations of your plan in plain English.
A recent Texas Supreme Court ruling in the case of Allstate v. Irwin acknowledged that some Texas insurance companies make the process of recovering fair compensation intentionally challenging. As a result, some companies have been shortchanging their own UM policyholders. If you want the full and fair value of your claim, you need to get in touch with a skilled uninsured motorist claims attorney.
Talk to an Uninsured or Underinsured Motorist Claims Attorney Today
Managing an uninsured motorist claim can be complicated. You are already in a physically and financially vulnerable position. Don’t let an insurer take advantage of you. Talk to an experienced uninsured motorist claims attorney with The Benton Law Firm about your case. At The Benton Law Firm, we can provide you with the emotional and legal support you need during this traumatic time.
If an uninsured motorist or a hit-and-run driver injured you in an accident, contact our Dallas office at (214) 777-7777. We will set you up with a free consultation to discuss your case and how we may be able to help you.