When you’re in an accident and the other driver does not have insurance, it can quickly become a nightmare. If this happens, it could force you to take on all the asset damage and personal injury costs. Authorities estimate one in five drivers on the roads in Texas is uninsured. This means the likelihood of being in an uninsured driver incident is high.
You are entitled by Texas law to seek compensation for any damage to property or injuries in civil court, but you’ll need the right attorney to help you through the process. You can hire an uninsured motorist lawyer to help you navigate this process.
If you or a loved one are involved in an uninsured here are the main reasons why you need a good Houston uninsured motorist attorney like Joe Stephens.
Why You Need a Good Houston Uninsured Motorist Attorney
The law surrounding uninsured motorist accidents can be complicated and confusing. There is also a specific way to develop your case and a timeline to follow before approaching the offending party or appearing in civil court. If you miss any of these nuances, you could be in danger of losing your case. This means you would have to pay for vehicle damages and hospital bills yourself.
A lawyer will guide you through the process and tell you what to do and what not to in any given situation. A lawyer will help you understand the step-by-step process and what your options are, so you can be compensated. You typically have three options if you have an uninsured motorist accident in Houston.
1. You can use health insurance to cover medical bills.
For some, this may be enough. But health care policies tend to pay out less or not at all for out-of-network doctors and hospitals.
You’ll also have to settle any fees that fall outside your coverage like wage loss and pain and suffering. This can add up to tens of thousands in the event of a serious accident, which can become a massive financial issue.
2. File a claim with PIP and uninsured motorist policy.
If your insurance policy includes PIP (Personal Injury Protection) and uninsured motorist incidents, you’ll be able to get partial or full compensation for the accident. However, in the event of life-changing or permanent injuries, policy coverage can quickly be eaten up. This gets more expensive and complicated if you need 24-hour care.
3. File a Personal Injury Lawsuit against the uninsured driver.
This option typically gives you the best chance of holding an uninsured driver accountable and recouping costs incurred in an accident. Sometimes a driver’s insurance has lapsed, but usually, they are uninsured because they don’t want to or can’t pay insurance premiums.
Without a lawyer to help you, it is nearly impossible to get them to take responsibility. A lawsuit can also help as the state will mediate and make sure the driver has the support they need to reach their obligations.
If you’ve been injured by the negligence of another, you could hire any accident attorney, or you can hire the best vehicle crash lawyers in Houston. Joe Stephens has been defending injury victims in Texas for over 3 decades from negligent individuals, companies, and greedy insurance companies. As a top rated accident lawyer in Katy, Joe handles all cases personally, and his staff is always available to answer questions.
If You or a Loved One Have Been Injured in an Uninsured Driver Car Wreck In Texas, Call Auto Accident Attorney Joe Stephens Now.
A motor accident involving an uninsured driver can be extremely stressful. Besides the damage and injury incurred, there’s the financial strain to deal with. That’s why hiring a lawyer to help you with your case can give you peace of mind.
If you, or a loved one, have been injured in an uninsured driver car wreck in Texas, call Auto Accident Attorney Joe Stephens now. We will work to gather all the necessary evidence and guide you through the process, so you can be compensated for your losses. Call the Stephens Law Firm today and let us get to work doing what we do best.
The Stephens Law Firm, Car Accident Lawyers handles auto accident lawsuits across Texas, including these Houston cities.