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uninsured motorist accidents

Dallas Uninsured Motorist Accident Lawyer

While manufacturers continue to upgrade cars with enhanced safety features, the risk of getting into an accident can never be completely eliminated. The last thing a driver wants to worry about on their routine drive to work is their physical safety and financial health. The reality, though, is that accidents happen at any time with no regard for who is behind the wheel.

If not handled properly, an accident with an uninsured or underinsured motorist can completely disrupt one’s life. According to a survey published by the Insurance Research Council, one out of every eight drivers on the road has no auto insurance.

If you or a loved one has been injured in a car accident, contact the Dallas uninsured motorist accident lawyers.

CONTACT OUR DALLAS UNINSURED / UNDERINSURED MOTORIST LAWYERS

As mentioned, an accident with an uninsured or underinsured motorist has the potential to completely change one’s life. It’s best to contact a Dallas personal injury lawyer as these cases require a thorough examination of evidence and robust legal strategy because the reality is that no one wants to pay when insurance does not offer coverage. Our Dallas uninsured/underinsured motorist lawyers can help you get the justice you deserve. 

Contact Mathias Raphael PLLC Accident & Injury Lawyers today for your free consultation.

  • What Happens When You Lose a Loved One In A Fatal Automobile Accident?

    Car accidents can result in serious injuries requiring large amounts of medical bills, loss of salary from the inability to work, and severe physical damages. A professional Dallas car accident attorney who specializes in cases against uninsured or underinsured motorists is crucial to ensure you get what you need after such an upsetting event. Contact our Dallas uninsured and uninsured motorist lawyers today.
  • What Is An Uninsured Motorist?

    An uninsured motorist is simply someone who is driving a car without having the car covered under an insurance policy. In Texas, automobile insurance companies are required to provide coverage in the case of an uninsured motorist under the Texas Insurance Code, §1952.101(b). However, a motorist can elect to decline that insurance so long as it is performed in writing. Uninsured motorist insurance coverage is designed to essentially give you the coverage that you would have had if the other driver 1) caused the accident and 2) actually had an insurance policy for their car.
  • What Is An Underinsured Motorist?

    An underinsured motorist is a driver who does liability insurance but whose coverage policy limits are not enough to cover the losses incurred by the accident. As opposed to an uninsured motorist, the issue for an underinsured motorist is not whether an insurance plan is in place but rather whether that insurance plan is enough.

    Every state has mandated statutory minimum amounts that insurance plans must meet. In Texas, the rule is called the “30/60/25” coverage. According to the Texas Transportation Code §601.072, the minimum amounts of insurance coverage required to establish financial responsibility are:

    • $30,000 for bodily injury (per person)
    • $60,000 for the total accident
    • $25,000 for coverage of property damage

    While these amounts are the minimum required as statutorily defined, they are only a starting point. Motorists have the opportunity to increase their coverage by paying a higher premium and most typically do.

    For drivers who do choose policies with only minimum coverage, the person who causes the accident may not sufficiently be able to have insurance cover all damages and will be required to pay expenses exceeding coverage out-of-pocket.

    A driver may choose to obtain a policy with the bare minimum coverage levels to save money on vehicle insurance costs. However, if you cause an accident, the minimal liability coverage limits may not be sufficient to cover all of the damages. In that situation, you may have to pay for expenditures that exceed your coverage limits out of pocket. Typical examples include:

    • The motorist suffers catastrophic injuries as a result of the collision,
    • The passengers suffer serious injuries
    • The motorist or passengers are unable to work for an extended amount of time
    • The driver’s car is severely totaled
    • Excessive property damage occurs
  • When Does Your Uninsured / Uninsured Policy Apply?

    Some insurance plans will offer coverage in the case that the other driver is uninsured or underinsured. These cases can be complicated as the insurance company will have to pay a large amount if either of these definitions apply.

    If the other driver does not have insurance coverage, the uninsured motorist policy under your insurance plan should apply. If the other driver does have insurance but does not have policy limits meeting the damages incurred, the underinsured motorist policy under your insurance plan should apply.

    However, these policies do have limitations. For one, if you caused the accident, your insurance may refuse to provide coverage. Another limitation often seen is that the extent of the damage goes beyond the coverage policy limits. As such, these cases can be hotly contested by your insurer.

  • What Does Uninsured/Underinsured Motorist Coverage Typically Cover?

    UM/UIM coverage in Texas typically covers expenses related to bodily injuries and property damage when the at-fault driver lacks adequate insurance. This includes medical bills, rehabilitation costs, lost wages, pain and suffering, and repair or replacement costs for your vehicle. It can also cover damages if you’re involved in a hit-and-run accident where the at-fault driver cannot be identified. This coverage is designed to bridge the gap left by the other driver’s insufficient insurance.

  • What are the Limits of Uninsured/Underinsured Motorist Coverage in Texas?

    The limits for UM/UIM coverage in Texas are usually set at the same levels as your liability coverage. This means if your liability coverage is $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage, your UM/UIM coverage will match those limits unless you choose otherwise. It’s important to review your policy and select coverage limits that adequately protect you, especially considering the costs of medical treatment and vehicle repairs can be substantial.

  • Is Uninsured/Underinsured Motorist Coverage Required in Texas?

    While Texas law requires drivers to carry minimum liability insurance, uninsured/underinsured motorist coverage is not mandatory. However, insurance companies in Texas must offer this coverage when you purchase an auto insurance policy, and if you choose to decline, you must do so in writing. Many Texans opt to include UM/UIM coverage in their policies for added security against the potential financial burden of an accident involving an uninsured or underinsured driver.
  • Why Should I Consider Purchasing Uninsured/Underinsured Motorist Coverage?

    Purchasing UM/UIM coverage is a wise decision because it provides a safety net against drivers who either have no insurance or insufficient coverage. Texas has a significant number of uninsured drivers, and the minimum liability insurance required by law may not be enough to cover the full extent of damages in a serious accident. By having UM/UIM coverage, you ensure that you have financial protection in place to cover medical expenses, lost wages, and property damage, giving you peace of mind on the road.

    "Attorney Raphael & Attorney Mathias are both very forthcoming & handle each case with care!"
    I have worked with this office on many different life care plans for personal injury cases and each time it’s been wonderful. Attorney Raphael and Attorney Mathias are both very forthcoming and handle each case with care. I would definitely recommend them!
    - Brandy C.
    "Damon took my case when others would not consider it."

    Damon is the one attorney who took my case when others would not consider it. He is good at explaining the next steps and possible outcomes. Professionalism shows through in all he does. I recommend him for your legal matter.

    - Carolyn
    "Mr. Mathias went above and beyond for me!"

    Mr. Mathias went above and beyond when I got in an automobile accident making the situation stress free. He allowed me to concentrate on getting a new vehicle and getting the appropriate treatment instead of worrying about medical bills and settlements.

    - James
    "Truly amazing attorney!"

    Truly amazing Attorney! This guy went above and beyond my expectations, from a broken wired up jaw. To a well deserved settlement. Thanks again!

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    "Better outcome than imagined."

    Mathias Raphael PLLC Accident & Injury Lawyers handled our case well and gave us a better outcome than we could have ever imagined. Thanks to Damon, Ori and their entire team!

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    Mr. Raphael was very helpful and responsive to our needs. He provided excellent service with polite,gentle and sensitive care,from the time he greeted us all through the process. I felt very confident trusting him with our case and he came through for us and got us more than we imagined.
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