Laredo Uninsured and Underinsured Motorist
An automobile accident in Laredo can have a disrupting impact on your life. Not only do you have to deal with the repairs to your vehicle, but there are also medical expenses and missed time from work. Sometimes, however, there is the added stress of being in an accident with a Laredo uninsured and underinsured motorist.
Texas state law requires vehicle owners to carry auto liability insurance in the event they are responsible for an auto accident. This law is in place to protect the rights of those who suffer financial loss as the result of another person’s negligence. Most Texans fulfill their responsibility to carry insurance, but some, for one reason or another, don’t meet their obligation and this puts responsible drivers at risk.
Last year, Texas ranked third in the country for the number of uninsured drivers at 1.6 million. Considering the number of drivers out on the road, you never know when you might be in an accident in Laredo with someone who is unable to cover damages they may have cause. But being uninsured is just part of the problem.
Texas drivers are required to carry liability insurance for bodily injury to others. In fact, Texas has one of the highest standards for minimum liability coverage: $30,000 per individual, up to a total of $60,000 for all people injured in a single automobile accident. Unfortunately, most serious injury accidents will far exceed those limits. The cost of hospitalization, surgery, physical therapy, lost wages, compensation for pain and suffering, plus any disfigurement, disability or reduced earning capacity can add up quickly.
In Texas every car insurance policy sold automatically includes uninsured and underinsured motorist coverage, unless the auto owner elects to reject such coverage. It’s important you contact your auto insurance carrier for a thorough review of your coverages to make sure you’re fully protected in an accident with an uninsured or underinsured motorist.
If you’re injured in an accident with a Laredo uninsured and underinsured motorist, then responsibility for compensating you for your damages and your injuries reverts back to your insurance company. When this happens, it becomes like dealing with the other driver’s insurance company. They can owe you not only for your medical expenses, but also for damages such as pain and suffering, lost wages, and other considerations requiring negotiation. This is where the help of an experienced lawyer comes in.
A personal injury attorney in Laredo can work with your insurance company to negotiate a fair settlement under your uninsured and underinsured motorist coverage. The lawyers at Carabin & Shaw will review your insurance policy to check coverage for:
- Medical bills
- Lost wages
- Pain and suffering
- Emotional distress
- Loss of future earning capacity
These are just some of the areas to consider. Our lawyers in Laredo will conduct a thorough investigation to make sure you receive the compensation you deserve. We’ll take the stress of being in a Laredo auto accident and dealing with your insurance company from you and are dedicated to protecting your rights.
If you’ve been injured in an auto accident with a Laredo uninsured and underinsured motorist, call the law offices of Carabin & Shaw today. Our team of Laredo uninsured motorist lawyers has the experience and resources to make sure all aspects of your case are taken into account. Our lawyers work hard to make sure all of our clients have a voice when dealing with an insurance company. We’ll also make sure you stay informed every step of the way.
Your first consultation with us is free of charge and you won’t pay a thing unless we win your case. To set up an appointment in Laredo with one of our lawyers, call us today at 1.800.862.1260.