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Auto Insurance Claims

Uninsured and Underinsured Motorist Claims Attorney Houston

Car Accident LawyerHouston Personal Injury Trial Lawyer Steve Ferrell handles uninsured and underinsured motorist claims on behalf of injured policyholders against their insurance companies.

Steve Ferrell is Double Board Certified by the Texas Board of Legal Specialization in Civil Trial Law and Personal Injury Trial Law.

The Ferrell Law Firm, P.C. handles uninsured and underinsured motorist claims against your insurance carrier. Uninsured or underinsured motorist coverage protects you if the other driver in an accident is not insured. This insurance will cover the cost of injuries to you or your passengers in the event a driver who is responsible for an accident either has no insurance or insufficient insurance.

If you get involved in a fender-bender and discover that the other driver is uninsured, will you have sufficient auto cover to meet those high repair bills? By taking out an uninsured/underinsured policy, you’ll usually be able to claim the costs of any repairs or expenses the other party’s insurance (or lack of) won’t cover. Auto Insurance statistics released by the Texas Department of Insurance indicate that about 25% of Texas drivers (1 in 4) are uninsured, which translates into about 2,328,784 uninsured vehicles on Texas roads.

UM and UIM Explained

When you take out this type of policy, if you get hit by another driver (i.e. they caused the accident) and the other party is found to be an uninsured or an underinsured motorist, the additional insurance you’ve take out will ensure the repair bill gets paid and, in some locations, damage to your property.

Someone who doesn’t have any insurance is known as an uninsured motorist. Uninsured drivers are also those who have insurance that doesn’t meet the state’s legal requirements for motor insurance liability, or whose insurer declines to pay out or hasn’t got the money to meet the claim bill. If you’re a victim of hit-and-run, the driver is also considered to be uninsured, as physical injury is most often involved. Some drivers may have insurance that’s legal but it isn’t sufficiently comprehensive to meet the bill for damages which have been incurred as a result of the accident. These are known as underinsured drivers. At times like these, Uninsured Motorist Coverage or Underinsured Motorist Coverage may assist with the sums required for the accident damage to be fixed.

If you have been hit by an uninsured or underinsured motorist, contact the Ferrell Law Firm, P.C. for a free consultation. We don’t charge a fee unless you recover. Call today.