Have You Been Injured by an Uninsured Driver?
The state of Texas has long had a serious problem with uninsured motorists. A new analysis by the Texas Department of Insurance shows that Dallas County continues to have the highest percentage of uninsured drivers of the six largest urban counties in Texas. Approximately 25% of vehicles in Dallas County have no insurance coverage. In Tarrant County about 21% of vehicles have no insurance coverage. Uninsured drivers are a real danger on North Texas roads and highways causing car wrecks and motorcycle accidents all over Fort Worth, and the Mid-Cities.
These statistics are available because of a fairly new program in Texas called, TexasSure . This is a system to verify insurance coverage. When a driver is involved in an accident or stopped for an infraction, the law enforcement officer can enter the license plate number and vehicle identification number (VIN) into the TexasSure system to verify insurance coverage.
If you or a loved one has been injured in an accident caused by an uninsured motorist, or if a loved one has suffered a wrongful death caused by a driver without insurance, then you’re at the right website. You should immediately contact a knowledgeable uninsured motorist injury lawyer for legal advice and assistance in resolving your claim.
The first option is to file an Uninsured Motorist claim with your insurance company. Texas insurance companies must offer Uninsured motorist (UM) and Underinsured motorist (UIM) coverage to every Texas auto insurance policy holder. If you purchased Uninsured motorists coverage, your own insurance company will pay for property damages and injury damages when the other vehicle is uninsured by filing an uninsured motorist claim.
However, if you don’t carry a UM/UIM policy, you will have no recovery with your own insurance company in the event that you’re involved in an accident with an Uninsured motorist and instead must pursue the uninsured driver.
Uninsured motorist coverage is coverage you buy to protect yourself. We will check your policy to make sure you have it. Texas insurance companies must offer it to you and if you reject it, it must be in writing. If your insurance company cannot prove that you rejected it, then you automatically have it. If you have it, that is a claim that you definitely want to make. There is nothing wrong with making a claim against your own insurance carrier. That’s why you bought the insurance in the first place!
Just because you carry an uninsured motorists policy doesn’t mean your own insurance company is going to treat you fairly. Insurance companies are in the business of making money and the more they pay out in claims, the less money they make. It’s a cruel reality of business.
In order to be treated fairly, you will need an experienced uninsured motorist injury attorney to fight for you and make sure you are fairly compensated. Without an experienced attorney, you won’t be able to achieve the maximum amount of compensation for your injuries.
First, we will verify if there is liability insurance. We will contact the other driver directly. From time to time people don’t have an insurance card with them, but they actually do have insurance. In that instance, the suspected uninsured driver will provide us their liability insurance and we are able to file a claim against their insurance.
On the other hand, you may have been injured by a driver without insurance. In this situation, we may actually have to sue them in order to get recovery for your injuries. We will pursue the full extent of the law in order to recover for our clients’ losses.
1. CALL 911
It is imperative that a police report be made. This report will contain information that is required by law in order to seek justice against an uninsured driver. In the event a police report is not taken, a Texas Department of Public Safety form CR-2, commonly referred to as a “Blue Form” MUST BE COMPLETED AND FILED WITHIN 10 DAYS .
It is important to call 911 immediately if you are involved in an accident. Advise them of your exact location and advise them if there are any injuries and request medical assistance if necessary. A police report will provide proof of the accident, and will allow for an immediate investigation of the scene of the accident. In addition, police will take statements of witnesses, and will examine the other driver to check for drug or alcohol use. The police can also be valuable witnesses to your injury at the scene, and they can assist in securing an admission of fault from the negligent driver. Stay at the scene of the accident until the police have come and gone. Be sure to give your version of what happened to the police. DO NOT admit fault for the accident or discuss the accident with anyone other than the police.
2. Collect Information
You need to obtain vital information from everyone in the accident. Get complete and accurate information such as a name, address, phone number, and license numbers for all drivers and witnesses. Independent witnesses are vital if there is any dispute of liability involved. Ask for the insurance information and policy numbers for all drivers involved in the accident. If you have a camera, even if only on your cell phone, take pictures of the scene and the damage to all vehicles involved in the accident. If you are unable to take photographs, contact our office immediately so our legal team can rush to the scene of any serious accident and preserve and document valuable evidence before it is lost.
3. Seek Medical Attention
The most important and immediate thing to do is seek medical attention. Do not hesitate to get checked out by medical professionals even if you feel “ok.” Even if you do not have insurance coverage or other means to pay for medical attention, We may be able to assist you. Some medical facilities and physicians are willing to take a “letter of protection.” Brian Hargrove is willing and to accept cases involving victims struck by a driver without insurance. Upon accepting your case, we can provide a letter of protection on your behalf. This is a document that gives the patient the ability to treat without paying for medical bills at the time of treatment. These letters of protection typically, if accepted by the facility or physician, allow the patient to keep treating and, once a recovery is made, the doctor or healthcare facility is reimbursed.
4. Contact an Experienced Uninsured Motorist Personal Injury Attorney
You should immediately contact a knowledgeable uninsured motorist personal injury attorney, an attorney aggressive enough to pursue a driver without insurance, for legal advice and assistance in resolving your claim. At the Law Office of Brian Hargrove, our legal team will take immediate action and work hard on your behalf to get you the settlement you may deserve. At the Law Office of Brian Hargrove, we use the Texas Bar approved Contingency Fee Contract. That means that there are no attorney fees unless a recovery is made on your behalf.
5. Contact Your Insurance Company
Most auto insurance companies require their policyholders to promptly report every auto accident. Failure to provide information to your insurance company on a timely basis, according to the terms of your policy, could result in loss of coverage for the accident, without constituting bad faith by the insured. The insurance company will want to gather basic information concerning the accident for its records. Sometimes the insurance company will want your authorization to take a recorded statement concerning the accident. We suggest that if you or your passengers were injured in the accident, or believe the insurance company will try to claim “you’re not covered,” or you have any concerns about the adequacy of your coverage, you should contact an experienced uninsured motorist accident attorney before you go any further.
Don’t delay. Learn about your rights if you’re involved in a car accident with an uninsured motorist. The Law Office of Brian Hargrove offers free consultations to all injury victims. Call us in Fort Worth at 817-444-HURT (4878), or Contact us online to learn more about your rights.