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Uninsured Driver Accident Attorney Houston
If youโve been involved in a car accident in Houston with an uninsured driver, securing the compensation you deserve can be a significant challenge. At Mokaram Injury Lawyers, we specialize in handling uninsured driver accident claims and understand the complexities involved in these cases. Our team of experienced attorneys will carefully review the details of your case, ensuring your legal rights are protected.
Navigating an uninsured motorist claim can be frustrating, but with Mokaram Injury Lawyers by your side, you can rest assured that weโll handle the legal process efficiently. Our goal is to help you secure the maximum possible compensation, even when dealing with uninsured drivers. If youโve been involved in an accident with an uninsured driver in Houston, donโt waitโcontact us today to schedule a consultation and start building your case
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What is an Uninsured Driver Accident?
An uninsured driver accident happens when you’re involved in a car crash, and the driver responsible doesn’t have insurance or lacks enough coverage to pay for your damages. This can complicate the process of securing compensation for medical bills, vehicle repairs, and other expenses.
If you have uninsured motorist coverage (UM), you can file a claim with your own insurance company for compensation. Without UM coverage, recovering damages may involve pursuing the at-fault driver directly, which can be challenging if the driver has limited financial resources. Working with an experienced uninsured driver accident attorney can help you navigate these legal complexities and ensure you get the compensation you’re entitled to.
What Happens After an Accident With an Uninsured Driver?
If you are involved in an accident with an uninsured driver in Texas, you have three potential options to recover compensation for damages:
You could rely on your own health insurance to cover medical expenses, but this may require you to pay deductibles, co-pays, and other out-of-pocket costs.
If you have uninsured motorist (UM) coverage, you can file a claim with your insurance company. This is an option many drivers unknowingly carry, and it can help cover medical bills, vehicle damage, and other losses.
If the uninsured driver has resources, a lawsuit may be an option to recover damages. However, many uninsured drivers lack financial means, which could make this route less viable.
Time limits apply to filing lawsuits in Texas, typically within two years, so it’s essential to act quickly. Additionally, investigations may reveal other parties at fault, like other drivers, government agencies, or manufacturers, which could broaden your recovery options.
Who pays for my damages if Iโm hit by an uninsured driver?
If youโre hit by an uninsured driver in Texas, paying for your damages can be challenging, especially if you’re dealing with medical bills and lost wages. In such cases, your own insurance may step in to help cover the costs, provided you have the right coverage.
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are optional but highly recommended. These types of coverage protect you if the at-fault driver doesn’t have insurance or doesn’t have enough insurance to fully cover your damages. If you carry UM or UIM coverage, your own insurance company will pay for your medical expenses, property damage, and other related costs up to your policyโs limits. This can also apply in situations involving hit-and-run drivers, as long as you report the accident to the police in a timely manner.
What if I Donโt Have UM or UIM Coverage?
If you don’t have uninsured motorist (UM) or underinsured motorist (UIM) coverage, your options for recovering compensation after an accident with an uninsured driver become more limited. In this case, you may need to pursue a personal injury lawsuit against the at-fault driver. However, even if you win the lawsuit, the driver may not have sufficient assets to cover your damages.
If you have Personal Injury Protection (PIP) coverage, which is optional in Texas, it can help cover medical expenses, lost wages, and daily assistance costs. Additionally, if you have medical payments (MedPay) coverage, it can assist with some of your medical expenses depending on the policy’s limits. You can also use your health insurance to cover medical bills, but you may face out-of-pocket co-pays and deductibles.
Texas Car Insurance Laws
In Texas, drivers must carry at least:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage
However, these minimum limits may not cover all damages, especially in severe accidents. To protect yourself, consider additional coverage options such as:
- Collision Coverage: Repairs or replaces your vehicle after a crash
- Comprehensive Coverage: Covers damage from theft, vandalism, or natural disasters
- Personal Injury Protection (PIP): Pays medical bills and lost wages for you and passengers
- Med Pay Coverage: Helps with medical expenses
- Uninsured/Underinsured Motorist Coverage: Covers accidents with drivers who lack insurance or sufficient coverage
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Free Consultation with a Houston Uninsured Driver Accident Lawyer
Being involved in an accident with an uninsured driver can be overwhelming. At Mokaram Injury Lawyers, we are here to guide you through the legal process and help you recover the compensation you deserve.
Trusted Legal Expertise
Our attorneys have a wealth of experience handling cases involving uninsured drivers. We thoroughly investigate every aspect of your case to ensure no detail is overlooked, working tirelessly to get you the best outcome possible.
No Fees Unless We Win
With our contingency fee model, you pay nothing unless we win your case. You can focus on your recovery while we handle the legal complexities.
Strategic, Aggressive Representation
We negotiate with insurance companies, uncover negligence, and collaborate with experts to build a strong case on your behalf. Our goal is to secure the maximum compensation to safeguard your future.
Book Your Free Case Review Today
If you’ve been in an accident with an uninsured driver, contact Mokaram Injury Lawyers for a free case evaluation. Let us help you understand your options and fight for your rights.
FREE CASE REVIEW
Mokaram Injury lawyers will contact you for a Free Legal Consultation.
Meet Our Personal Injury Lawyers in Houston, TX
Our personal injury lawyers in Houston, TX are relentless in defending your rights. We stand up to insurance companies, ensuring you get every penny you’re entitled to. With a proven track record, we wonโt rest until you receive the full compensation you deserve.
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