San Antonio Uninsured Motorist Accident Lawyers Serving Texas
If you just found out the driver who hit you has no insurance, that discovery can make an already painful situation feel almost impossible to overcome. At Mack Injury Attorneys, we understand exactly what you are going through. Our team is always reachable and keeps you informed at every step, so you never have to wonder where your case stands or what comes next.
Understanding Uninsured And Underinsured Motorist Coverage In Texas
Uninsured motorist (UM) coverage protects you when the driver who caused your car accident carries no liability insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance but not enough to cover your losses. Texas law requires your insurer to offer you uninsured/underinsured motorist (UM/UIM) coverage equal to your liability limits, and you must reject this coverage in writing if you don’t want it.
When you file a UM/UIM claim, you file it with your own insurance company. Your insurer then pays you for medical bills, lost wages and other damages up to your policy limits. However, you must first pursue the at-fault driver’s liability coverage and your insurer will reduce your UIM benefits by any amount you recover from that driver’s policy.
Can You Still Recover Compensation Without Uninsured Motorist Coverage In Texas?
Yes, you may still have legal options even without UM or UIM coverage. Your path forward depends on the facts of your case, but other avenues for recovery may still exist, such as:
- The at-fault driver’s personal assets
- A household member’s existing auto insurance policy
- A commercial auto policy if a business vehicle caused the accident
- Your own collision coverage
- A third-party liability claim if another party contributed to the crash
Mack Injury Attorneys can also help you identify medical providers who work on a lien basis, meaning they treat you now and receive payment when your case resolves. That means financial pressure does not stand between you and the care you need.
Do Not Let An Uninsured Driver Determine The Outcome Of Your Case
What feels impossible to overcome right now is exactly the situation we help people through every day. Mack Injury Attorneys is one of San Antonio’s most awarded and recognized personal injury firms, with a proven record of results for injured Texans. Call our office today at 888-978-9302 or reach out to us online to schedule your free consultation.