When you get into a car accident with an uninsured driver or when the at-fault driver leaves the scene without exchanging insurance information, it can put you in a really difficult position.
Texas is an at-fault state for auto insurance, which means the at-fault driver’s insurance company pays when there’s a crash. If a driver causes a crash and isn’t insured, that potentially leaves you with serious financial burdens that you shouldn’t have to deal with.
In an effort to mitigate situations like these, Texas requires insurance companies to offer uninsured motorist coverage (UM) to all policyholders. When you get into an accident with someone without insurance, or if you’re the victim of a hit-and-run car accident, your UM policy steps in and takes the place of what the at-fault driver should have had in insurance coverage.
Georgetown uninsured motorist claims can be complicated, and even though you’re seeking benefits from your own policy, you’ll still face pushback from the insurance company when you attempt to secure what you’re owed under your policy.
Working with an experienced Georgetown accident attorney at Dow Law Firm can streamline the process, set you up for a meaningful financial recovery, and help you move on after a serious crash. Call our experienced uninsured motorist claim lawyers in Georgetown today at (512) 240-9951 for a free case review.
Is Uninsured Motorist Coverage Required in Texas?
The insurance company has to offer UM benefits. You’re encouraged to, but not required, to add the coverage to your car insurance policy. If you decline uninsured and underinsured motorist coverage, you have to do so in writing.
Minimum UM coverage mirrors the state minimums for liability coverage. Adding UM to your policy gives you at least $30,000 per person and $60,000 per accident in bodily injury benefits if you get into an accident with someone who doesn’t have insurance. There’s also an added $25,000 for property damage. You can purchase higher limits if you want.
A Georgetown uninsured motorist claim attorney can review your policy and help you understand exactly what coverage you have available.
When Should I File an Uninsured Motorist Claim After a Car Accident in Georgetown?
It’s important to begin reviewing your specific car insurance policy and its terms as soon as you learn that the other driver in your car accident case is uninsured or can’t be located. Texas imposes a two-year statute of limitations on car accident claims, which only gives you two years from the date of your auto accident to pursue benefits – including those under your own car insurance policy.
Insurance companies in Texas often have shorter notice requirements. So, the sooner you notify the insurance company that you intend to tap into your UM benefits, the better. You don’t want to have your claim denied because it was submitted outside of any applicable filing deadlines.
Consulting an uninsured motorist claim lawyer early can help ensure all deadlines are met, and your claim is handled correctly from the start.
Call Our Georgetown Uninsured Motorist Claim Attorneys For Help Today
Your uninsured motorist coverage is there to protect you if you get into an accident. Don’t let your insurance company stand between you and the money you need to cover costly medical bills, alleviate a sudden loss of income, and help you cope with the harder-to-value stresses of a car crash.
Choose Dow Law Firm and count on our team of uninsured motorist claim lawyers in Georgetown, TX, to help you maximize your recovery.
We offer a free consultation and represent Georgetown crash victims on a contingency fee basis, so don’t hesitate to contact our uninsured motorist claim attorneys at (512) 240-9951 to discuss your case today.