Uninsured & Underinsured Motorists
Aggressive & Experienced Houston Car Accident Lawyers
A car or truck accident that results in personal injuries can be difficult emotionally and physically. Many people who try to resolve their cases on their own often end up hiring a lawyer after becoming frustrated with the insurance company’s inadequate settlement offers and how complicated the legal process is. This process is even more frustrating when the other driver involved has no car insurance or minimum liability insurance.
At Zehl & Associates PC, we recommend every car insurance policy holder purchase uninsured/underinsured motorist coverage. The cost of this coverage is minimal compared to the benefits if you are ever in an accident involving an underinsured or uninsured driver.
Even if you are involved in an accident with an individual that does not have adequate liability insurance, as long as you have uninsured motorist coverage, you can seek compensation from your insurance company for damage to your vehicle, medical costs, and pain and suffering.
Unfortunately, however, it is still common for the insurance company to minimize your claim by trying to settle quickly or by denying your claim altogether. It is important to work with an accident attorney who has experience interpreting insurance contracts and fighting the insurance companies for the maximum damages available.
Motorists in Texas are only required to have $25,000 in car insurance coverage. If you are involved in an accident with an individual who holds this minimum liability insurance, it is very likely that the cost of medical bills and other expenses will far exceed the amount of insurance coverage.
This type of motorist coverage allows an individual to add his or her own insurance coverage with that of the other driver’s insurance to compensate for medical expenses, pain and suffering, and other accident-related expenses.
What many people don’t realize is that uninsured motorist coverage also allows you to seek compensation for property and personal injury damages that you sustained in a hit-and-run accident.
Insurance companies are bound by a duty of good faith set by the Texas Insurance Code. This means that they have a duty to try to resolve your claim quickly (they must decide whether to approve or deny your claim within 30 days). If your claim is denied in bad faith, you can seek additional damages – in some cases up to three times the amount of the original claim. Our firm’s attorneys have years of experience handling cases involving bad faith and deceptive insurance practices against some of the largest insurance companies in the world.
Find out more about deceptive insurance company practices.
Contact the Houston Accident Lawyers at Zehl & Associates for a Free Consultation: 1-888-603-3636
If you or a loved one has been in an accident with these motorists, contact one of our experienced Accident Lawyers by clicking here or calling 1-888-603-3636. We offer a free initial consultation and are available for evening and weekend appointments. We work on a contingency-fee basis so that you pay nothing unless we win.