Category: Insurance

What If the Other Driver Is Underinsured or Uninsured?

Posted by: Kemmy Law Firm

A car accident can be devastating, but when the other driver doesn’t have car insurance, it can be a nightmare. How are you going to cover your damages? There are options to consider, but you need to reach out to an experienced attorney right away.

At Kemmy Law Firm, we will work with your own insurance policy and consider filing a lawsuit against the at-fault driver.  Call Kemmy Law Firm at (210) 735-2233 or use our online form to reach out for a free, initial consultation. We will go over what happened and explain your options.

We have been working with car accident victims for more than 50 years, and we can help you too. Whether you need a car accident lawyer in Hobbs, NM or an accident attorney in Odessa, TX, contact us today to see how our law firm can help.

Using Your Uninsured/Underinsured Insurance Policy to Cover Your Expenses

In Texas, insurance companies must offer you uninsured/underinsured motorist coverage. Your insurance company should have given you the option to opt-in to UM/UIM coverage. If you do not have it, you would have had to state that you did not want it in writing.

Uninsured/underinsured motorist insurance is also required in New Mexico. You must have a minimum of $25,000 per person for injuries and $50,000 per accident. The minimum amount of property damage is $10,000 per accident.

UM/UIM insurance can cover both property damage and bodily injury after an accident. However, when you make a claim against this policy it operates similarly to an opposing party’s insurance policy. Insurers (even your own) may delay your claim or refuse to cover valid medical bills, lost wages, and more.

That’s why you should work with an attorney to make sure your insurance company property pays out on your uninsured/underinsured claim. You might think they have your best interests in mind, but the insurance company’s goal is always to pay as little as possible.

Using Your Collision Insurance Policy for Property Damage

Collision insurance will cover damage to your own vehicle if the other party does not have insurance. Collision coverage is not required in Texas or New Mexico; however, it is always a good idea to protect yourself with as much insurance coverage as possible.

If you owe money on your vehicle, your lender will likely require that you have collision coverage on your car. You should have enough to pay off your loan so you don’t end up paying on a vehicle that has been crashed and totaled.

Suing the At-Fault Driver

You may also sue the at-fault driver personally after a car accident. However, this is sometimes futile. Very few people have the money available to cover a serious car accident when you consider that you may have tens or hundreds of thousands of dollars in damages with your medical expenses, lost wages, pain, and suffering, and other losses.

You should work with a personal injury attorney who can investigate the financial situation of the person who caused your crash. They may have financial resources that you can get to obtain the compensation you deserve after a wreck.

Kemmy Law Firm Can Help You Get The Money You Need

If you were involved in a wreck with someone who was not insured or did not have enough insurance to cover all of your damages, you should immediately contact a personal injury lawyer with Kemmy Law Office. With over 50 years of combined legal experience and millions recovered, we know how to pursue fair compensation for everything that you endured.

With offices in San Antonio, Midland-Odessa, and Hobbs, NM, we will listen to your story and give you a realistic assessment. Call (210) 735-2233 today. There’s no risk in calling because we offer free initial consults, and are only paid when you recover compensation.

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Get a free consultation. We do not charge up-front fees, and you owe nothing unless you recover compensation.

When you work with us at Kemmy Law Firm, you are working with a family run firm with more than 50 years of combined experience. We are dedicated and successful trial attorneys practicing in West TX, Hobbs, NM, Midland-Odessa, and across the Permian Basin. Our team handles everything from catastrophic injury claims to complex business matters. We are here to fight for you. We dedicate our time and attention to your case and use every resource available to maximize your claim and obtain the best possible outcome.