Uninsured and Underinsured Motorist Coverage - San Antonio Car Crash Victims

Texas law requires that all drivers have liability coverage for their vehicles, without room for negotiation. While this is the standard throughout Texas, including San Antonio, it does not mean that every driver on the road has insurance. San Antonio car crash victims are entitled to full and fair compensation after being injured because of another driver’s negligence, and this is equally true when the person at fault for your accident is uninsured or underinsured.

Carabin Shaw is a top personal injury law firm in Texas, and we got our start in collision injuries over thirty years ago, making our attorneys the most reliable experts you can find after your San Antonio collision. Our San Antonio auto accident lawyers at Carabin Shaw understand how chaotic and frustrating the aftermath of a collision can be for the victims. Expensive medical bills, lost work hours, physical impairment, and trauma from the accident represent only the most evident challenges you may be handling. Circumstances where the at-fault driver is underinsured or uninsured add many more levels of anxiety to this already hectic time. However, Texas’s car accident victim rights are very clear, and our lawyers can show you how you can still win the compensation you are entitled to.

According to the Texas Department of Transportation, San Antonio Bexar county is home to over 1.6 million registered drivers, and it is estimated that 1 in 6 of those drivers operate without legal car insurance. San Antonio car accident victims are not forced to pay out of pocket in accidents involving these drivers, though, as the state has supports in place to account for uninsured driver accidents.

Underinsured motorist coverage comes into effect when the individual at-fault for your accident has less than the legal requirement for insurance, or no insurance altogether. It also comes into effect in cases where you’re in a hit-and-run accident and the other driver cannot be found or identified.

Underinsured motorist coverage in Texas is more common than one might realize, as it is offered with every base insurance plan and must be denied in writing. If you did not deny the coverage in writing, then you are likely to have this type of insurance.

Importantly, underinsured motorist coverage extends to those individuals who reside at the same address as the named insured, covering your family members as well. As with other forms of insurance, after an accident in which you were not at fault, coverage will apply to both personal property and bodily damage.

While there is no other insurance company to communicate with, working with an experienced lawyer is still immensely beneficial to cases such as this, as our team can tell you during a free case review or initial consultation. Insured or otherwise, it is still your duty to provide the proof and evidence necessary that the accident was caused by the other party’s negligence. Only after doing so will the underinsured coverage apply to your damages.

Hiring the trusted lawyers at Carabin Shaw provides you with decades worth of expertise, and the resources available only to a law firm with years of successes. We will guide you through your claim and ensure that you have collected any and all evidence necessary to prove that you are not liable for the accident’s damages. Visit Carabin Shaw’s client reviews to see the services that we provide to our clients.

Every car accident victim in San Antonio is entitled to compensation for the damages they have sustained after a devastating auto collision.

To ask questions about the claim process when an underinsured driver is involved, or to schedule your free case review, call our English and Spanish-speaking staff. They are available 24/7 at the toll-free number 800-862-1260.

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