Filing a Claim On Your Own Insurance Policy

If you were involved in a car accident with an uninsured or underinsured motorist, you will almost certainly need to file a first-party claim against your own insurance policy in order to get money to pay for your medical bills and property damage.

This is why the state of Texas requires that a minimum level of uninsured or underinsured motorist coverage (UM/UIM) is offered to all consumers. Unless you specifically rejected UM/UIM coverage when you bought your policy, you should be covered.

In general, your UM/UIM policy should cover property damage, repairs to your vehicle or replacement if your car is totaled, and rental car reimbursement. An uninsured motorist policy also covers personal injury and wrongful death claims. Your insurance company will almost certainly attempt to offset any payments to you by going after the driver who caused the accident.

Uninsured motorist coverage is often minimal — often only about $25,000. This may not be enough to cover all your medical bills, lost wages and property damage. An experienced attorney at Adame & Associates can help you explore the other options that may be available on a case-by-case basis.

Fault is an important part of any uninsured or underinsured motorist case. You need to be able to prove that the damages you suffered were caused by the other driver in order to be covered under UM/UIM insurance. Our experience in accident investigation can prove invaluable in this process.

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We can also help you deal with situations in which your own insurance company has unfairly denied an uninsured motorist claim or fails to pay up to the policy limits. To discuss your car accident in a free consultation with a highly experienced Texas lawyer, contact our offices in Houston, Texas, today. There will be no legal fees for you to pay unless or until we obtain compensation for you.