Leveraging Underinsured Coverage After a San Antonio Car Accident

No matter how much caution one takes when operating a vehicle, it’s impossible to control the actions of other drivers. 427,806 auto accidents occurred in Texas in 2022; of those 427,806 accidents, over 39,000 transpired in San Antonio. When you're involved in a San Antonio car accident caused by a negligent driver who is underinsured, the situation can become even more complicated. Fortunately, for residents of San Antonio and throughout Texas, there are legal options available to help you recover damages and get back on your feet.

As a Texas driver, you are required by law to carry auto insurance. In addition to the requisite liability insurance, it is also beneficial to purchase underinsured coverage. Underinsured coverage benefits come into play if you’re involved in an accident where the other driver’s insurance policy does not fully cover your medical and car repair expenses.

Without underinsured coverage, you are responsible for any costs beyond what the other driver’s insurance covers. However, if you purchase underinsured coverage along with your regular liability auto insurance, you can ensure that your bills will be taken care of regardless of the other driver’s insurance policy.

The first step in leveraging your underinsured coverage is understanding your own auto insurance policy. Review your policy carefully to identify the limits of your UIM coverage. These limits determine how much additional coverage you can access in the event of an underinsured driver causing your accident.

After a car accident, your health and well-being should be your top priority. Seek immediate medical attention for any injuries, no matter how minor they may seem initially. Document all medical treatments and expenses, as these will be crucial in your underinsured coverage claim.

Collect evidence from the accident scene, including photos, witness statements, and the negligent driver's information. This evidence will help establish liability and support your claim.

Report the accident to your insurance company promptly. Be prepared to provide detailed information about the accident, the negligent driver, and your injuries. They will guide you through the process of filing an underinsured coverage claim.

Consulting with a skilled Texas attorney who specializes in car accidents is a crucial step in maximizing your underinsured coverage. An attorney can help you navigate the complex legal landscape, negotiate with insurance companies, and ensure that you receive the Texas car crash compensation you deserve.

Dealing with insurance companies, especially in cases involving underinsured drivers, can be challenging. Insurers often try to minimize their payouts, leaving you with inadequate compensation. An experienced Texas attorney can:

Attorneys can assess the true value of your claim, taking into account medical bills, lost wages, pain and suffering, and other damages that may not be immediately apparent.

Negotiating with insurance companies can be intimidating. Personal injury lawyers have the skills and experience to negotiate effectively, ensuring you receive a fair settlement.

Filing an underinsured coverage claim involves legal procedures and paperwork. An attorney will handle these tasks, allowing you to focus on your recovery.

The expert team at Carabin Shaw is eager to assist you with all insurance-related matters in the aftermath of your automobile accident. We provide a free case review and initial consultation, which you can schedule today by dialing our toll-free number: 800-862-1260. This line is covered 24/7 by both English-speaking and Spanish-speaking staff members who can connect you with a lawyer on our team.

We offer expert legal help to all clients, and will fight hard on your behalf. To hear from past clients who have had successful experiences working with one of our lawyers, review Carabin Shaw’s client reviews.

For additional information about underinsured coverage:

• Texas TDI
• Tx DOT