El Paso Uninsured and Underinsured Motorist
When you’ve been involved in a car accident that wasn’t your fault, you expect to be compensated for your injuries and damages by the other driver’s insurance company. But what happens if the other driver doesn’t have insurance? One recent study found that approximately 14% of Texas drivers are uninsured, and many more are underinsured. If you’ve been involved in a car accident in El Paso with an uninsured or underinsured driver, you may be wondering how you will be compensated for your damages. Fortunately, our El Paso car accident lawyers at Carabin Shaw are here to answer your questions about El Paso uninsured and underinsured motorist wrecks. Read on to learn about your options after your El Paso auto accident.What is the Difference Between an Uninsured and Underinsured Motorist?
Uninsured drivers are drivers who either have no insurance at all, have less insurance coverage than the state requires, or who have insurance through a company that cannot / will not pay their claim.
Underinsured drivers are drivers who do have insurance, but who do not have enough insurance coverage to cover the costs of an accident. For example, if a driver responsible for an accident brings about $400,000 worth of damages but only has a $200,000 policy on their car, they are underinsured.Will My Own Insurance Policy Cover My Damages with an Uninsured or Underinsured Motorist in El Paso?
Whether or not your insurance will cover you in an accident with an uninsured motorist depends on the details of your specific policy. Uninsured/underinsured (UM / UIM) motorist coverage is optional, and is not included in every insurance plan. If you have UM/ UIM coverage, you will most likely be covered. The best way to find out for sure is to read the specific details of your policy or call your insurance company. However, if you live in Texas, there’s a good chance you do have UM / UIM coverage, because every insurance policy in the state must include this type of coverage automatically, and the only way for policyholders to decline this coverage is to opt out in writing.What Happens if My Insurance Won’t Cover the Damages?
If you don’t have UM/ UIM insurance coverage and you’ve been in an accident with an uninsured motorist, it’s a good idea to consult with an El Paso car accident attorney to discuss your options. The right attorney can help you recoup your losses, even if the other driver was uninsured or underinsured.How Do I Choose the Right Personal Injury Lawyer in El Paso for My El Paso Auto Accident Claim?
When choosing among El Paso car accident lawyers, it’s important to choose a lawyer who specializes in auto accident cases and has a winning track record. You also want to choose an attorney who is professional, compassionate, and experienced in handling even the most complex accident cases.
At Carabin Shaw, we meet all of the above criteria and more. Our attorneys have a combined 200 years of legal experience and have been serving Texans for more than two decades. We’ve recovered more than $500 million in compensation for our satisfied clients, and we can help you get the money you need so you can get your life back on track following your wreck.
We offer all new clients a no cost, obligation consultation, so you have nothing to lose by giving us a call today. To receive a free consultation with an experienced lawyer, call our El Paso office at 915-779-2301. Let us help you get the compensation you deserve after your El Paso auto accident.