Need to File an Uninsured Motorist Claim?
Speak with our Beaumont car accident attorneys!
Were you struck by another driver, only to find out that the driver was not carrying auto insurance? You are not alone. Texas state law requires all drivers to carry some form of auto insurance and to make sure that the limits in their policy meet the minimum financial responsibility requirements.
These are the current legal requirements for uninsured motorists:
- Bodily injury: $30, 000 per person, $60, 000 per accident
- Property damage: $25, 000 and $250 deductible
Many who are involved in collisions often choose not to make a claim against drivers who are not carrying auto insurance because they do not feel it is worth the time and effort to file, knowing that they may not be able to receive the right amount of compensation from an uninsured motorist.
Fortunately, you can choose to file a claim under your own insurance policy. If for example, you were a pedestrian or riding your bicycle in the collision, and not a current automobile policy holder, you can try to file a claim under your relative's policy. We at Daspit Law Firm, urge you to ask one of our Beaumont personal injury lawyers for help with your uninsured motorist claim!
Providing Assistance with the Claims Process
We can help you understand what your legal rights are to find restitution and aid in your recovery. If for example, you find that the payout that your current policy holder is offering does not adequately cover all of the costs of recovery, you can file for another claim through other family members' insurance policies, which is a process called "stacking," and is legally permissible in Texas.
What our lawyers can further do is provide full representation for your claim, presenting all the factual details of the accident, how the uninsured driver's negligent actions were to blame, and that you were substantially injured by those actions. There is a time limit on how long you have to file a claim after an auto accident, depending on the rules set by your insurance company, so you will need to act fast.