Austin Uninsured Motorist Accident Lawyer
Under Texas law, every person who drives a motor vehicle may only operate that vehicle if it is covered by liability insurance that meets the state’s minimal standards. This insurance is in place to cover the costs of damages to other vehicles and their occupants in the event of an accident.
However, not everyone follows this law—some drivers choose to forgo insurance coverage and drive illegally. If you get into an auto wreck with someone who does not have proper coverage, an Austin uninsured motorist accident lawyer can help you figure out how to manage your claim and get the compensation you deserve.
Your Own Insurance Coverage
Drivers are encouraged to make sure that they have uninsured motorists and underinsured motorists coverage on their insurance plan. Liability coverage takes care of the costs of damages you were responsible for causing to others, but it doesn’t cover all of your own.
That is why it is worth taking the time to make sure your policy provides coverage when the other motorists don’t have any. It is also possible that they do have insurance, but not enough to cover your costs. These drivers are referred to as underinsured motorists. Accidents involving underinsured motorists can be just as complicated as accidents with motorists who have no insurance coverage at all.
Financial Obligations in Car Accidents
When an accident happens, the costs are divided among the people who are at fault. If only one person is at fault, that individual is responsible for 100 percent of the damages, even if the other drivers have their own insurance. That’s because your insurance is in place to cover expenses caused by you.
If the responsible driver does not have insurance at all, that driver may need to pay for the damages out of his or her own personal finances. This can be difficult to recover. It is also up to the court to decide how and when these costs should be covered.
This entire system really is as complicated as it sounds, but it does put responsibilities where they belong. It helps to have an experienced Austin uninsured motorist accident lawyer who can wade through the paperwork and explain the details of the process as they apply to your specific case.
Why You Need an Experience Car Accident Lawyer
Car accidents that are caused by other people’s negligence are overwhelming enough without having to also deal with someone who isn’t properly insured. You shouldn’t have to bear the responsibilities and expenses of the accident alone, simply because you were the only person carrying insurance.
Our attorneys at Colley & Colley, LLP can look over the details of your accident and help you figure out the best way to move forward. We’ll help to ensure the right person is held responsible for your accident, even if that person wasn’t insured.
Contact us online or call us toll-free at 1-844-325-9290 for a free case evaluation.