What to Do If You’re Hit by an Uninsured Driver
Call (800) 863-5312 to Speak with a Fort Worth Car Accident Attorney for Free
If you’ve been injured in a car accident in Fort Worth, there is a chance that the liable person may not have a large enough insurance policy to cover all of the damages. In this case, you would file a claim against your own insurance company up to the limits of your underinsured motorist policy coverage.
Typically, damage recovery after an accident comes from the liable party’s insurance coverage. However, if the other person does not have insurance, it may not be worth suing them for their assets, as someone without car insurance likely does not have much money to begin with.
If the liable driver has no insurance at all, you would then file a claim against your own insurance company up to the limit of your own uninsured driver coverage.
To learn more about your legal rights and options, contact the Fort Worth car accident lawyers of Zinda Law Group at (800) 863-5312 for a free consultation.
Underinsured Driver Coverage
Here’s an example of how underinsured motorist coverage works. Say your damages from a car accident total $125,000, and the liable driver only has $80,000 worth of coverage.
You would only be able to file a claim for damages in excess of the $80,000 worth of coverage on the at-fault driver’s policy. So if you had $150,000 in underinsured coverage, the maximum claim you could file would be worth $45,000.
You can only receive the difference between the opposing driver’s policy limits and your underinsured policy limits. Additionally, you cannot claim any underinsured policy recovery if the opposing party’s policy limits exceed your underinsured policy coverage.
How to File an Uninsured or Underinsured Driver Claim
If the opposing driver lets you know that they do not have insurance, seek the help of a Fort Worth car accident attorney immediately. Some insurance companies only allow a short window of time for policy holders to claim uninsured or underinsured driver limits.
It is important that you speak with a Fort Worth car accident lawyer first. This way, they can explain exactly how you should approach your insurance company to maximize your recovery.
Uninsured or underinsured motorist claims in Fort Worth function just like normal insurance claims. A claims adjustor with conduct an investigation into the scene of the accident, and review medical records. However, the one caveat is that if no settlement is reached, you cannot file a lawsuit against your own insurance company.
Our Forth Worth Car Accident Attorneys Can Help
There is no perfect way to calculate the value of a claim. However, using these tips and tricks, you may have a better understanding of what your claim is worth before you speak with an attorney. In order to make the best decision for you and your family, make sure to find an experienced Fort Worth car accident lawyer. A skilled personal injury attorney will help you determine and recover the full value of your claim.
At Zinda Law Group, our car accident lawyers have helped thousands of clients recover damages that otherwise wouldn’t have been possible due to a lack of insurance from the at-fault party. We have the experience and resources necessary to help you build the strongest case possible and to pursue the maximum recovery you deserve. We also work on a contingency fee basis, which means you pay nothing unless we win your case.
If you or a loved one has been injured in an accident and you suspect the opposing party does not have insurance, call Zinda Law Group at (800) 863-5312 for a free consultation with a skilled car accident lawyer in Fort Worth. Meetings with attorneys by appointment only.