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Texas Uninsured Accident Attorney
Tim Tate
Claire Tate Rehmet
Chris Rehmet
$13,000,000
Gross Recovery
Pedestrian Accident
Wrongful Death
$10,750,000
Gross Recovery
Motorcycle Wreck
Head Injury
$9,500,000
Gross Recovery
Defective Product
Brain Injury
$6,500,000
Gross Recovery
Workplace Accident
Head Injury
Personal Injury Attorneys And Texas Uninsured Motorists
If you’ve been injured in an accident with an uninsured driver, an experienced uninsured motorist attorney can help you understand your rights and pursue compensation. Our legal team at Tate Accident Law acts as an uninsured accident lawyer for victims across Texas who are facing complicated claims involving auto insurance and uninsured motorists.
Our underinsured motorist attorneys can help when the at-fault driver doesn’t have insurance or doesn't have enough insurance to cover your damages.
People understandably do not like to make injury claims on their own insurance when someone else causes a car accident. But if you are in a car accident and the other driver has no insurance, or does not have enough insurance coverage, then you may have to make an uninsured motorist claim under your own policy. Before you do, though, it pays to ensure the at fault driver and vehicle are truly uninsured.
Sometimes when the police report indicates there is no insurance our attorneys often find additional insurance coverage to pay for injuries and property damage. Our lawyers are familiar with auto insurance policies and uninsured motorist claims, and can review your case for free to explore if the at-fault driver is uninsured.
If you were involved in an accident with an uninsured driver, our uninsured driver lawyers can help investigate whether other policies apply, including employer policies, umbrella coverage, or additional vehicle policies.
How do your attorneys verify that a driver is uninsured when they cause a wreck in the state of Texas?
To determine whether a driver involved in car accidents truly lacks insurance coverage, our attorneys carefully investigate the driver, vehicle ownership, and potential policies. An experienced uninsured motorist lawyer understands how complex auto insurance policies can be and knows where to look for hidden coverage.
My name is Claire Tate Rehmet, a personal injury attorney and uninsured accident attorney handling car wrecks in Texas for over 30 years. I will explain how our lawyers verify if the other driver is uninsured and how to tell if there may be a second or third policy.
First, you must understand that insurance covers people (who are named on the policy) and cars (that are listed on the policy). Sometimes there is only one layer of insurance when a covered person is driving their covered car. If the driver, however, is borrowing someone else’s car, then there can be two opportunities to find insurance. This can lead to coverage when the police report says there is none.
For example, Anthony borrows a car from Bob. Bob does not have any insurance on the car and when Anthony is driving it, he hits you. The police report indicates that Anthony caused the wreck, that Bob owned the car, and the car was not insured. Remember- there are covered cars and covered people. Just because the car is not covered does not mean Anthony is not insured. If Anthony has an insurance policy which covers him to drive his car, then it will cover Anthony when he borrows Bob’s car. This is one example of how we find multiple layers of insurance to cover a wreck.
There are other ways to find insurance to cover a car accident and injuries. For instance, if the at fault driver was on the job, then his employer or his employer’s insurance may have liability for the wreck. In addition, we need to check for umbrella policies, and perform assets checks on any negligent party. We have forced at fault drivers to pay for injuries out of their own pocket.
Please call our office for a free consultation, and we can review your claim to determine if there is insurance to pay or if the driver has assets to compensate you for your injuries.
If the driver who caused the wreck has no insurance, how do I recover for my injuries and my property damage?
After our lawyers investigate to confirm there is truly no insurance coverage, we may file an uninsured motorist claim under your own policy.
In Texas, uninsured/underinsured motorist coverage applies when:
- The at-fault driver has no insurance at all
- The at-fault driver does not have enough coverage to pay for your damages
Your insurance company will typically assign separate adjusters to handle your bodily injury and property damage claims.
If you hire our uninsured motorist attorneys, we handle both the property damage and injury portions of your case.
What does my uninsured motorist policy cover?
Uninsured Motorist Coverage in Texas Covers the following:
- Pain and Suffering
- Mental Anguish
- Scarring
- Medical Expenses
- Lost Wages
- Loss of Future Income
- Property Damage
An experienced uninsured motorist lawyer can help ensure your policy benefits are fully pursued after an accident with an uninsured driver.
How does uninsured motorist insurance work in Texas?
There are three things you should know about uninsured motorist claims in the State of Texas:
- The Texas Supreme Court has issued rulings that tend to allow the carrier to deny or diminish claims without penalty. There are, however, legal strategies to expose the uninsured motorist company to liability for wrongfully denying your claim. Please call us for a free consultation if you believe your injury claim has been wrongfully denied.
- Your own insurance company will assert defenses against your claim, including contributory negligence (saying you were at fault), blaming a third party for causing the wreck, refusing to pay a medical bill by asserting the charge is unreasonable, or asserting you were injured before the wreck happened.
This is why many victims hire an uninsured accident lawyer or uninsured driver lawyer to challenge these defenses and pursue full compensation.
Why is my car insurance denying my claim? Why is my car insurance lowballing my injury claim?
Car insurance companies are motivated by profit. They will often refuse to pay adequate compensation unless they believe your case is going to cost them more money. People often want to talk to the adjuster about fairness, but the adjuster does not respond by offering fair compensation. They are not interested in paying the full value of the claim unless they are forced to do so. Our lawyers understand that the best way to get a fair offer is to expose the carrier to economic leverage.
Our uninsured motorist attorneys understand the tactics used by insurance companies and use legal leverage to pursue fair settlements.
For example, if you have a $30,000.00 uninsured motorist policy, then the insurance carrier’s exposure is limited to $30,000.00 for your injury claim. The attorney’s fees are, however, paid separately which means you can recover the full $30,000.00 and your attorney fees are paid by the carrier. This means the insurance company is exposed to a greater loss than the policy limit. The threat of attorney fees is leverage in our negotiations with the insurance carrier about your injury claim.
Uninsured motorist carriers do not like to pay attorney fees and they are extremely difficult to recover. The threat of fees, however, is often enough to get a better offer.
Can I recover attorney fees in my uninsured motorist claim?
Under Texas law you can recover attorney fees if a judge determines it is fair to award them at the end of a trial.
Although attorney fees are not guaranteed, the possibility of recovering them often strengthens negotiations with the insurance company.
What are the pitfalls of making an uninsured/underinsured motorist claim without a lawyer?
Uninsured/underinsured motorist claims in Texas are complicated and require a close reading of your policy. Three important considerations are:
- You must obtain written consent from your underinsured carrier allowing you to settle with the at-fault driver before you release your claim. This is required under all Texas personal auto policies and if you fail to do so, your underinsured motorist carrier may deny your claim.
- All Texas uninsured/underinsured policies require you to cooperate with your insurance carrier. This means giving a recorded statement, among other things. Our lawyers will prepare you for this statement, reviewing the police report and other evidence in advance.
- Your underinsured motorist carrier gets an offset for payments you receive from other sources, like Personal Injury Protection and the other driver’s insurance. But if your damages are greater than the sum of the other driver’s insurance limit, your underinsured motorist coverage limit, and your Personal Injury Protection, then you can collect all the other driver’s insurance, your underinsured motorist insurance, and your Personal Injury Protection.
Working with an experienced uninsured driver attorney can help ensure these requirements are handled correctly and your claim is protected.