Ranging from minor fender benders to more serious collisions and fatal crashes, car accidents are undoubtedly overwhelming, but the stress is compounded when it becomes evident that the driver who hit you does not have sufficient insurance coverage. Despite clear laws requiring liability insurance for all drivers, uninsured/underinsured car accidents in Mesquite are all too common.
When you are involved in an auto accident with an uninsured or underinsured driver, it can leave you wondering how you will cover unexpected costs and medical bills. However, the good news is that you do have legal options, and our car accident attorneys at Ted Lyon Law can help increase your chances of securing fair compensation for your injuries.
What Is An Uninsured or Underinsured Motorist?
Before you look into your legal options, it is worthwhile to know what exactly an uninsured or underinsured motorist is. To put it simply, an uninsured motorist is someone who drives their vehicle without meeting one of Texas’s criteria for establishing financial liability or carrying liability insurance.
In contrast, an underinsured driver is one with liability insurance but insufficient coverage to cover the full cost of the accident they caused. Under Texas law, a driver must carry 30/60 in liability coverage. This coverage provides $30,000 for injuries to any person in a single accident and $60,000 in total for all injuries sustained in the accident.
However, it is important to note that car accidents often cause damage exceeding these minimum requirements. You should also know that most coverage policies include a $25,000 property damage limit to cover the cost of replacing or repairing another party’s property damaged in the crash. Unfortunately, this is often not enough.
When insurance coverage is inadequate or non-existent, you need the right car accident attorney to identify your legal options. At Ted Lyon Law, we have extensive litigation experience and can fight for your right to compensation in court against the uninsured or underinsured driver who caused the crash in Mesquite.
How Can We Help in Uninsured or Underinsured Cases?
If you were in an accident with an uninsured or underinsured motorist in Mesquite, a car accident lawyer can review your insurance policy to determine whether you have uninsured or underinsured motorist protection and negotiate with your insurance company to help ensure you receive appropriate compensation and a fair settlement.
In Texas, this coverage is optional, but by law, your insurer should have offered it to you. While reviewing your policy, an attorney can verify whether you were actually offered this coverage. However, if you do not have this insurance or do not have enough coverage, and the other driver is also uninsured or underinsured, we are unafraid to pursue litigation and fight for what you deserve.
Speak to Our Mesquite Attorneys About Uninsured/Underinsured Car Crashes Today
Unfortunately, uninsured/underinsured car accidents in Mesquite can leave you assuming you have no options to recover compensation, but this is not the case, especially with the aggressive and experienced attorneys at Ted Lyon Law. If you have suffered injuries in uninsured/underinsured car accidents in Mesquite, a knowledgeable car accident lawyer from Ted Lyon Law can help by exploring legal options with you.
We have years of experience helping victims secure high-value compensation, so they have one less thing to worry about as they recover from their injuries. If you are ready for assistance, you can contact us today for a free consultation to discuss your case.
