Dealing with the aftermath of a motor vehicle accident is hard enough without them finding out that the responsible party is an uninsured motorist. In Texas, an uninsured motorist most often refers to a driver of any kind of vehicle who does not carry liability insurance coverage or to an insured driver whose insurance carrier has denied coverage or has become insolvent. An uninsured motorist can also be an unidentified driver in a hit-and-run situation.
In all of these situations, you may be wondering what your options are if the at-fault driver does not have enough insurance.
At the Lovett Law Firm, we put the legal system on your side. Our practice is built on the mission of helping people when they need it most.
Currently, it is mandated in Texas that all automobile insurance companies doing business offer underinsured and uninsured motorist coverage as a part of the standard Texas personal automobile insurance policy. The purpose of this is to protect insured policyholders against the negligent acts of “financially irresponsible” motorists. However, often these cases are confusing, complex, and cannot be handled by people who are not familiar with the legal system or insurance industry. We have extensive experience helping people navigate underinsured and uninsured motorist issues and claims.
Contact us today to schedule a free consultation with a proficient and aggressive Las Cruces uninsured motorist accident attorney who can help you assert and protect your rights.
Know Your Rights And Options
Texas currently has no insurance verification program, which means there is no system to check who currently has insurance or sufficient coverage. Many people do not know that every policy in New Mexico and Texas has to have uninsured motorist provisions and coverage in it by law, but insurance companies often find a way to deny paying out when a claim is made on this coverage. Also, when an accident involves a pedestrian, his or her own auto insurance will cover him or her even though he or she is not in a car.
Additionally, because uninsured motorist claims are contract claims, the statute of limitations is four years. The four years begins to run when the insurance company denies the uninsured motorist claim, not on the date of the accident giving rise to the underinsured auto injury claim. This underscores the importance of having a knowledgeable and efficient attorney on your side.
Moreover, the insurance carrier has to have written rejections in its policy, but an individual policyholder may not know this and may lose important rights by blindly complying with an insurance company’s decisions or accepting a denied claim on its face.
We can help prevent this type of situation from occurring. Even if a client is told there is no insurance and they cannot recover, we encourage you to speak with Rob Lovett because a lot of times there is available coverage, including when other members of the household may have insurance policies to make claims upon. Texas and New Mexico both allow injured parties to stack claims from other sources of insurance in order to recover the compensation they need to cover their injuries and damages.
A Knowledgeable And Dedicated El Paso Underinsured Auto Injury Lawyer
We know that this is a complicated area of law that often changes. Rob Lovett became an attorney after watching friends and family members often being taken advantage of by an unfair system and because of his desire to help stop this from happening.
Contact us today to have all of your uninsured motorist claim questions answered during a free consultation.