Uninsured/Underinsured Driver Accident Lawyer in Fort Worth
What are the car insurance requirements in Texas?
It’s a type of car accident that seems particularly unfair: You’ve been hit by another driver who has no insurance or doesn’t have enough insurance to cover your bills. Although Texas drivers are legally required to purchase auto insurance, some drivers break the law or choose to purchase the bare minimum amount to keep their car or truck on the road. When one of these drivers causes an accident that result in severe injuries or property damage, you need a Fort Worth uninsured driver accident lawyer on your side. You could be entitled to compensation from your own insurance company.
Coby L. Wooten, Attorney at Law, P.C. understands how difficult life can become after an accident with an uninsured or underinsured motorist. Some at-fault drivers may forgo purchasing insurance altogether. Others carry the state’s legal minimum bodily injury limits of $30,000 per person and $60,000 per accident. However, car accident costs can rise quickly. Your car might have been totaled. Your car accident injuries could cost tens of thousands of dollars to treat.
What are your options after being hurt in a car accident?
When buying car insurance, you have the option of adding uninsured or underinsured motorist coverage (UM/UIM). If you are in a crash with a driver who does not have insurance, or does not have enough, your own insurance company will pay for damages up to the UM/UIM policy limit. This also applies to accidents involving hit-and-run drivers who can’t be located.
Without this coverage, your options for recovering compensation are very limited. You can take legal action against the at-fault driver directly. But the driver may not have enough assets to pay damages. In some cases, a third party may have been partially responsible for what happened – for examples, a car may have had defective brakes that led to the crash. In those cases, you may be able to take legal action against the manufacturer.
Dealing with insurance companies can be difficult
The goal of insurance companies is to pay as little as possible after a crash. This applies to the other driver’s insurance carrier and even your own insurance company if you have uninsured or underinsured driver coverage.
Even if there is available coverage, that doesn’t mean the insurance company wants to pay. They may question the seriousness of your injuries. Sometimes, they’ll seek medical records to try to find evidence that injuries were pre-existing. Another common tactic is to offer a lowball settlement that falls well below policy limits. Your own insurance company may also use these tactics.
Insurance companies have lawyers who try to find ways to help them save money. You need an experienced car accident lawyer who will fight for what’s best for you.
Our legal team investigates your crash to look for evidence that proves a negligent party was responsible. We gather evidence and carefully review accident reports and medical records. We identify and interview witnesses. If needed, we consult accident reconstruction experts and other specialists.
We are determined to get the best possible outcome for our clients and pursue every option for recovering compensation.
You have rights. Contact Coby L. Wooten, Attorney at Law, P.C., today
Drivers across the Dallas-Fort Worth metro area pay insurance premiums every year. But when involved in an accident with an uninsured or underinsured driver, it’s possible that your own insurance company will deny or delay your claim. That’s because they want to protect their bottom line. That’s not fair. You shouldn’t have to suffer financially because you’ve been in an accident with a driver with no insurance or too little insurance.
We encourage you to get legal advice as soon as possible following your accident. The statute of limitations for taking legal action is generally two years from the date of your crash. But it’s important to start building a case before evidence is lost or destroyed and before witnesses forget important details about what happened.
You might think you don’t need a lawyer. You might think your case is a simple, straightforward legal matter. Don’t be so sure. Complicated cases deserve the attention of an experienced uninsured accident attorney in Fort Worth who knows how to protect your rights. At our firm, our lawyers personally handle your case. We don’t use case managers.
Contact Coby L. Wooten, Attorney at Law, P.C., today. Or call (866) 408-0940 to schedule an appointment at our Fort Worth office. Your initial consultation is free and we don’t get paid unless we win your case. That’s because we work on a contingency fee basis.