Unfortunately, many drivers in El Paso, Texas, break the law by failing to have the required car insurance coverage. When uninsured drivers cause a car accident, the victims often suffer damages with no compensation. That is not fair.
Our El Paso uninsured motorist claims lawyer at Mission Personal Injury Lawyers can help you explore potential avenues for compensation, including uninsured motorist coverage. Our legal team is nationally recognized and has received numerous awards in recognition of their legal services. When you hire our law firm, you can trust that we treat your case with the respect and attention it deserves.
How Our El Paso Car Accident Lawyers Help You With an Uninsured Motorist Claim in Texas
For over 43 years, our El Paso car accident attorneys have helped clients with accident claims. We have won tens of millions of dollars and have a 99% success record for cases we handled. Since 2010, Mission Personal Injury Lawyers has been a trusted personal injury law firm with a reputation for putting our clients first.
When you hire us to handle your personal injury case, you can expect us to:
- Investigate your car accident to determine how it happened and who is at fault
- File insurance claims and handle all matters related to the claims
- Gather evidence and document damages to build a solid case for compensation
- Work with experts and accident reconstructionists, as necessary
- Calculate the value of your damages to determine how much your case is worth
- Negotiate aggressively to obtain compensation for all damages
- File a lawsuit and argue your case in court if that is in your best interest
You should not suffer because another driver broke the law and caused an accident. Call us today to schedule your free case evaluation with an experienced uninsured motorist claims attorney in El Paso, TX.
Texas Drivers Are Required To Have Liability Insurance
Texas requires drivers to have a minimum amount of automobile insurance. The minimum limits for liability insurance are:
- $30,000 for injury or death to one person
- $60,000 for injury or death per accident
- $25,000 for damage to property
Liability insurance coverage compensates third parties (accident victims) for damages caused by the insured driver. Even though the law requires all drivers to have the minimum limits of liability insurance, many drivers do not have insurance.
Unfortunately, when an uninsured motorist causes an accident, the victim is responsible for paying for their medical care and other expenses. They can sue the at-fault driver, but if the driver did not have insurance coverage, it is unlikely the driver has the assets to pay a personal judgment.
However, you might receive compensation from your insurance company if you have uninsured motorist coverage.
What Is Uninsured Motorist Insurance?
Uninsured motorist (UM) insurance is optional insurance coverage. Insurance companies must include UM coverage in standard automobile insurance policies. You can waive coverage by signing a statement declining UM coverage.
UM coverage protects you if an uninsured driver hits you. Generally, the cost for uninsured motorist coverage is relatively low compared to the coverage you receive.
How Do Uninsured Motorist Claims Work in El Paso, TX?
Uninsured motorist insurance pays damages when you are hit by a driver with no insurance coverage. You can receive the same types of damages you would receive if you filed a claim against the at-fault driver’s liability insurance coverage.
- Reimbursement for medical bills, lost wages, and out-of-pocket expenses
- A decrease in future earning capacity
- Loss of enjoyment of life and quality of life
- Scarring, disfigurement, impairments, and disabilities
- Physical pain and suffering
- Emotional distress and mental anguish
However, before receiving any money for an uninsured motorist claim, you must prove that the other driver caused the car accident and did not have insurance coverage. Your insurance company might fight the claim even though you are their customer.
You should treat a UM claim like any other car accident claim. Talk with an El Paso car accident lawyer before you speak with an insurance adjuster or provide a statement to your insurance company. Seek medical treatment immediately after the accident and document your damages.
What Is the Statute of Limitations for an Uninsured Motorist Claim in Texas?
Most uninsured motorist claims must be filed within two years of the accident date. If you do not file your claim, your insurance company does not have to pay the claim.
However, the statute of limitations for a bad faith insurance claim is four years from the accident date. The four-year deadline applies in cases of breach of contract and bad faith where the insurance company failed to pay a valid claim.
Never assume you have unlimited time to file a car accident claim. It is always best to seek legal advice as soon as possible to avoid your case being barred by the statute of limitations.
Schedule a Free Consultation With Our El Paso Uninsured Motorist Claims Lawyers
It might seem hopeless when an uninsured driver hits you. However, you might have several options for compensation. Contact our law office to schedule a free consultation to discuss your case with an experienced El Paso uninsured motorist claims attorney.