McKinney Uninsured and Underinsured Motorists Accident Lawyer

Trust Our Skilled Accident Lawyer to Protect Your Rights

Regardless of the circumstances surrounding a motor vehicle accident, people who suffer injuries or other damages may encounter a variety of legal complications that affect their ability to receive financial compensation. However, when an uninsured or underinsured motorist was responsible for causing a car wreck, the issues involved in a case can be even more complex. Individuals who are uninsured or underinsured may not have the financial resources to cover the damages they cause in an accident. As a result, people who are injured in these types of accidents may find it difficult to recover full compensation for their damages.

Fortunately, people who are injured by uninsured drivers may have options that will allow them to receive the proper compensation. A person will usually have uninsured/underinsured motorist coverage under their own insurance policy. However, injury victims may sometimes struggle to acquire and/or understand the proper insurance coverage, and without a full understanding of the extent of their damages or the amount of coverage they need, they may accept a settlement that is far less than what they deserve.

To ensure that you have the proper insurance coverage in these situations, it is important to rely on the guidance of an experienced personal injury attorney. At Burress Injury Law, our lawyers have experience dealing with insurance companies, and we know how to negotiate for the proper compensation. In fact, Burress Injury Law's talented team has 250 years of combined experience, half of which was previously spent representing insurance companies in high-stakes cases across the U.S. Burress Injury Law exclusively helps serious injury victims and families of wrongful death victims. With our extensive experience on both sides and 400 trials under our belt, Burress Injury Law holds a major advantage, because we understand how insurance companies value claims and how to motivate them to make higher settlement offers on our clients' cases.

Understanding Uninsured/Underinsured Motorist Coverage

If you were in a car wreck, and the liable driver did not have any liability insurance, your own auto insurance policy may cover you unless you rejected the coverage. Uninsured motorist (UM) coverage will apply in situations where the other driver was uninsured, and underinsured motorist (UIM) coverage will be available in cases where the other driver was insured, but the limits of their policy were not enough to fully cover your costs.

Texas law requires all auto insurance policies to include underinsured/underinsured motorist coverage, and the only exceptions are cases where the policyholder has rejected this type of coverage in writing. The minimum limits for these policies are $30,000 for bodily injuries for one person, $60,000 per accident for bodily injuries affecting more than one person, and $25,000 for property damage. However, additional UM/UIM coverage may be purchased, providing a policyholder with the ability to receive higher amounts of compensation.

Importantly, if you settle with the at-fault driver's insurance company without receiving permission from your uninsured/underinsured motorist insurance carrier, you can be barred from recovery under your own policy. Additionally, there are circumstances in which an injured victim may recover from more than one uninsured/underinsured motorist policy, even if it does not belong to you. A skilled personal injury lawyer can successfully navigate the intricacies of insurance law to ensure you are fully compensated for all past and future medical expenses, lost wages, and non-economic damages such as physical pain, physical impairment, disfigurement, loss of spousal and parental consortium, and mental anguish.

Additionally, a qualified personal injury lawyer can also help you determine whether other forms of compensation may be available. For example, if you were injured because of defective auto parts, you may be able to pursue a product liability lawsuit against the manufacturer of the vehicle or a mechanic who did not install parts properly. At Burress Injury Law, we will explore all available avenues for recovering compensation, and we will fight to make sure you will have the financial resources you need to make a full recovery.

Contact Our Allen Uninsured Driver Accident Lawyers

Following an accident with an uninsured or underinsured driver, the attorneys of Burress Injury Law can provide you with guidance and ensure that you follow the necessary steps to recover the full amount of compensation you are entitled to receive. Our lawyers have experience dealing with insurance companies, and we can negotiate a settlement that will fully address your injuries and damages. Contact our office at 214-726-0016 to set up a free consultation.