Uninsured & Underinsured Motorist Accidents
Dallas/Fort Worth car accident lawyer Bill Berenson has close to 40 years of experience in personal injury law. Mr. Berenson has been Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization and has represented numerous victims of car accidents, including those involving uninsured and underinsured drivers. He has settled or tried in court countless collision cases of all types with insurance companies and will fight tirelessly for your rights.
Insurance companies are not usually willing to offer the fullest and fairest amount to accident victims in uninsured or underinsured motorist claims unless an experienced attorney makes a strong case. Retain the services of a Fort Worth uninsured motorist accident lawyer at the Berenson Law Offices and you will be well represented.Auto Insurance Requirements in Texas
Texas requires that all drivers carry vehicle liability insurance. Unfortunately, the State of Texas estimates that about 20 percent of drivers are uninsured. This is despite the fact that driving without the required minimum amount of insurance can result in significant fines and eventually driver’s license suspension or revocation. In Texas, the required amount of auto insurance is
- $30,000 per injured person
- $60,000 minimum total limit
- $25,000 for property damage
Texas’s insurance minimums have not changed even as medical costs have risen exponentially. Therefore, a serious accident is likely to leave you with medical bills and lost wages well in excess of these figures. What if an Underinsured or Uninsured Motorist Causes an Accident? We strongly urge you to obtain additional policies that provide coverage should you be hit by a driver who has only the minimum required liability insurance or no insurance at all. For a small additional premium, you have the option of purchasing:
- Medical payments coverage
- Personal injury protection (PIP)
- Uninsured / Underinsured motorists insurance (UM/UIM)
If an uninsured motorist causes an accident, your insurance will kick in and cover the property damages and personal injury amounts up to the limits of your policy.
If a motorist is underinsured, meaning your damages exceed the at-fault driver’s coverage, his liability insurance will be responsible for the amount of the damages up to the limits of his policy and additional damages will be paid by your insurance up to the limits of your policies. An accident lawyer in Fort Worth can guide you through this process of stacking insurance policies to maximize your recovery.
Under these circumstances, your insurance is used to compensate you for another driver’s mistake. You, therefore, need to get every dime possible from both the uninsured or underinsured motorist’s insurance company, as well as your own. If the combined amounts do not cover the costs of the accident, your medical bills may go uncompensated, even if you were an innocent victim of another’s negligent driving. Our attorney can also negotiate directly with your medical providers for reductions of your bills.Have You Been Injured in an Auto Accident?
If you have been injured in an auto accident in the Dallas Fort Worth area, area, you need to understand both what your insurance limits are as well as the at-fault driver’s limits. You do not want to be in a position where, even though the accident was not your fault, your injuries are not properly compensated. To make sure that you get the most from the insurance companies, hire an experienced Fort Worth uninsured motorist accident attorney to help convince the insurance companies that your claim is worth compensation.
At the Berenson Law Offices, we have almost 40 years of experience negotiating with insurance companies and recovering for our clients. Dallas/Forth Worth personal injury attorney Bill Berenson is a veteran personal injury lawyer who has been Board Certified in Personal Injury Trial Law. Mr. Berenson and his staff have the experience necessary to help you with your auto accident claim. To set up your free consultation with one of the best accident attorneys in Fort Worth, contact us online or call us at 817-855-0000 locally or 1-888-801-8585 toll-free today.