Midland Uninsured and Underinsured Motorist Coverage Explained
Although you might hope that the drivers around you can pay for the accidents they cause, about one in ten Texas drivers lacks insurance. As a result, uninsured and underinsured motorists present a very real hidden risk on roads of Midland, Texas.
The good news is that your own insurance policy might cover what an underinsured driver can’t. If you want to explore pursuing compensation through your uninsured and underinsured motorist (UM/UIM) coverage, the top Midland attorneys at Carabin Shaw can help.What Is Uninsured and Underinsured Motorist (UM/UIM) Coverage?
UM/UIM coverage protects you in the following cases:
- The at-fault driver doesn’t have liability insurance.
- Your damages exceed the policy limits of the at-fault driver’s liability insurance.
- You’re the victim of a hit-and-run accident, so the at-fault driver is unknown.
By understanding uninsured motorist coverage in Texas, you can better appreciate its benefits.What Does UM/UIM Insurance Cover?
Your UM/UIM coverage might compensate you for several kinds of damages:
- Your and your passengers’ past and future medical costs
- Pain and suffering
- Permanent disability or disfigurement
- Vehicle repairs
- Destroyed or damaged property
If you have coverage protecting against uninsured drivers in Texas, it may be your best option for securing the compensation you need and deserve.Is UM/UIM Coverage Required in Texas?
Texas law requires all insurance companies to offer UM/UIM coverage. However, Texas also allows its drivers to opt out of this offering.
Even though drivers must purchase liability insurance in the Lone Star State, many at-fault drivers fail to meet the basic Texas auto insurance requirements. Thus, you might find that your decision to purchase coverage for underinsured motorists pays off.How Do You Receive Compensation Through UM/UIM Coverage?
To receive payment through this type of coverage, you must submit a claim as you do with any insurance company. Your attorney can help you navigate the process of recovering damages through underinsured motorist coverage in Midland, TX.What Are the Steps for Submitting a Claim in Texas?
If the other driver is uninsured, you can begin an uninsured motorist claim with your insurance right away. Your company then analyzes evidence to determine the value of your claim.
When another driver has insurance, you should file a third-party claim with their company. Often, you must wait to collect the limit of the at-fault driver’s coverage before the underinsured motorist claim can proceed.
When Do You Need a Lawyer?
Because Texas is an at-fault state, proving liability in Midland auto accidents is crucial. Your legal team can secure evidence that demonstrates the other party’s fault.
In addition, attorneys can support you if you’re navigating the following complications:
- Unfavorable third-party insurance offer
- Initial denial of your UM/UIM claim
- Severe, permanent, or chronic injuries
- Complex accident involving shared fault
No matter your circumstances, Carabin Shaw’s client reviews show that we’re dedicated to meeting the diverse needs of Texans who seek our expertise.What If You Don’t Have UM/UIM Coverage in Texas?
You might be one of many Americans who lack uninsured motorist insurance due to low income. If this is true for you, then you could also experience the stress of lacking health insurance, disability benefits, and other protections.
Our team works tirelessly to investigate every possible option in your case, even if you don’t have UM/UIM insurance. We never want to add to your economic hardship—that’s why our case reviews and initial consultations are free.
Because we believe that everyone deserves accessible legal counsel, you can reach us 24/7 at the toll-free number: 800-862-1260. Our staff is also prepared to support you in English or Spanish.
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