What is Uninsured Motorist Coverage?

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Uninsured and Underinsured Motorist Laws in Frisco

Texas law requires individuals to purchase minimal motor vehicle liability insurance to protect others. If individuals are at fault for causing an accident, the liability insurance helps compensate other parties who suffer bodily injuries or property damage as a result of the crash. The state minimum levels of liability insurance, known as 30/60/25, are $30,000 for personal injury, $60,000 for the accident, and $25,000 for property damage. Although drivers who maintain this minimum coverage are complying with the law, this level of insurance coverage does not protect others whom they may cause injuries to in an accident. A single devastating crash that results in severe injuries easily may exceed these minimum levels of insurance coverage. When insurance coverage is insufficient to cover a personal injury claim, individuals may be able to sue drivers for their expenses beyond those that the insurance policy covers.

Uninsured or Underinsured Motorist Insurance Coverage

As a result, drivers may wish to carry uninsured or underinsured motorist insurance coverage (UIM). Although UIM policies can be costly, these policies can provide much-needed supplemental coverage when individuals sustain catastrophic injuries in a crash with uninsured or underinsured drivers or in hit-and-run accidents. As an uninsured car accident lawyer in Frisco may attest, these insurance policies cover not only drivers, but anyone authorized to drive their vehicles, as well as family members and passengers in their cars.

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Steps to Take Following a Car Crash

Individuals should take essential steps to protect their rights to compensation following car accidents when they involve uninsured or underinsured drivers. As quickly as practicable, persons in these crashes should:

  • Notify police and later obtain a copy of the police report
  • Get the contact information for the other driver and any witnesses
  • Take photographs of the scene and make a written account of the events that occurred, along with the date, time, and weather conditions
  • Contact their insurance company

Following these steps, individuals strongly should consider contacting an uninsured car accident attorney in Frisco for advice. All too often, insurance companies deny even their policyholders from coverage under UIM policies. Although there is no requirement that injury victims exhaust the insurance policies of others before making claims under their policies, insurance companies often are still reluctant to pay out more than they absolutely must, regardless of the circumstances.

Delaying and Denying Payouts

Delaying and denying payouts on claims, even for their customers, is precisely what insurance companies are likely to try to do, no matter how legally appropriate claims may be. They often work hard to avoid paying minimal levels to protect their bottom line. As a result, individuals may need aggressive legal representation to obtain the full amount of compensation to which they are entitled.

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A Frisco Uninsured Car Accident Attorney May Be Able to Help

You may have various options available to you if you are injured or suffer property damage in a car accident with uninsured or underinsured motorists. From claiming benefits under your insurance policy to suing the uninsured driver or attempting to hold third parties liable for their fault in the accident, you still may be able to collect the full amount of compensation for your losses. A Frisco uninsured car accident lawyer may be able to provide you with the guidance that you need in this situation.

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Frisco Case Types

Get The Help You Need Contact McCraw Law Group

If you are in need of a personal injury attorney in North Texas, please contact the team at McCraw Law Group today. We are ready to help you in a broad range of serious accident and injury legal issues, and offer multiple ways to reach us.

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If you are in need of a personal injury attorney in North Texas, please contact the team at McCraw Law Group today. We are ready to help you in a broad range of serious accident and injury legal issues, and offer multiple ways to reach us.

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