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Houston Accidents Involving Uninsured Drivers

When you are injured in a motor vehicle accident caused by another party, you have the right to expect that party to be responsible for covering your losses. The at-fault party is generally liable for your medical expenses, lost wages, and damages to your car, as well as considerations for your pain and suffering and other non-financial damages. Texas law mandates that all drivers in the state have automobile liability insurance coverage to provide security in the event of an accident, but a large number of drivers do not have the required coverage.

The Sewell Law Firm understands that it can be scary to learn that the driver who caused your accident does not have enough-or any-insurance. You are likely to be left wondering how you will manage to pay all your accident-related bills. Fortunately, you may have options for getting the compensation you need, and the firm’s experienced attorney can help you determine your best course of action.

The Sewell Law Firm has a fully bilingual, Spanish-speaking staff and takes pride in being available 24/7 to answer your call. If you’ve been injured on a motorcycle by the negligence of another, call 713-432-0730 or fill out the FREE case consultation form on this page.

Any automobile insurance carrier that serves residents of Texas must offer their clients uninsured and under-insured motorist (UM/UIM) coverage with limits equal to the limits chosen for bodily injury or death. As its name suggests, UM/UIM coverage is intended to protect a person who is involved in a crash caused by a driver who is uninsured or under-insured. A person who has no liability insurance is uninsured. By comparison, an under-insured driver has liability insurance, but his or her coverage is not enough to pay for the damages caused by the accident.

It is possible to collect compensation after a crash that was caused by an uninsured or under-insured motorist but doing so is challenging. You have the right to sue the at-fault driver personally for your losses, but if he or she is not paying for auto insurance, you will probably not be able to collect much by taking him or her to court. In fact, the process of suing the driver is likely to cost you more in legal fees and court costs than you ultimately get from the lawsuit. Therefore, you may have no choice but to seek compensation from your own insurer.

With more than 28 years of personal injury experience, The Sewell Law Firm understands that most insurance companies are for-profit businesses. This means that they have a vested interest in minimizing payouts, even to their own clients and policyholders. As a result, your insurer might offer a settlement that is well below the amount that you need and deserve. The Sewell Law Firm is not afraid to stand up and fight with insurance carriers. The firm will negotiate in good faith in pursuit of a settlement, but is well prepared and more than willing to go to trial if necessary.

The firm’s client-centered approach to uninsured and under-insured motorist accidents has helped many clients throughout the greater Houston area. Put The Sewell Law Firm’s experience and knowledge to work for you.

If you have questions about recovering compensation for an accident caused by a driver without adequate insurance coverage, call 877-WARRIOR for a FREE consultation and review of your case today.