Uninsured Motorists

Dallas Uninsured Motorist Accident Attorneys

In Texas, every driver must have vehicle insurance. It not only financially protects you as the driver and your property but also prevents you from being held personally liable in the case of a deadly car accident. Unfortunately, a staggeringly high percentage of motorists drive without auto insurance, which poses a significant risk on Texas roads.

Whether they are simply irresponsible or between insurance companies, an uninsured motorist is especially dangerous in an accident involving a personal injury. If you are injured in these situations, you will need the guidance of an experienced attorney who knows how to navigate the legal system.

At Colin B. Bober and Associates, our team is well-versed in Texas personal injury law and how it intersects with accidents caused by uninsured or underinsured drivers. We can work with insurance companies or the courts to assist accident victims in pursuing compensation. 

Reserve your free consultation with a Dallas uninsured motorist accident lawyer by contacting us by email or by phone at (214) 974-4180

Texas Auto Insurance Laws

Texas auto insurance laws are designed to protect motorists in the event of an accident. State law mandates that all drivers carry minimum liability insurance. This includes $30,000 for bodily injury per person, up to $60,000 per accident, and $25,000 for property damage. Despite these regulations, a significant number of drivers on Texas roads are either uninsured or underinsured.

When an uninsured or underinsured motorist causes your accident, you may face numerous challenges in securing compensation for injuries and damage. Without adequate coverage from the at-fault party, you may bear the financial burden of medical bills, repair costs, and other related expenses. 

Fortunately, Texas law requires insurance companies to offer Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage as part of any auto insurance policy. However, policyholders have the option to decline this coverage in writing. 

UM/UIM coverage is designed to protect drivers in accidents with uninsured drivers and hit-and-run incidents. This coverage covers bodily injury and, in some policies, property damage, effectively filling the gap left by the at-fault driver’s lack of sufficient insurance. 

It’s an essential safety net that can significantly mitigate the financial impact on victims of such accidents. However, navigating the claims process and understanding the nuances of applying this coverage can be complex, calling for the guidance of a seasoned attorney.

Traffic Accidents Caused by Motorists with No Insurance

If a driver does not have UM or UIM coverage and causes an accident, you face an uphill battle in seeking compensation. If you didn’t cause the crash and have proof, your insurance company may be willing to pay out to a certain extent. This can involve a collision or personal injury protection (PIP) coverage to cover the costs of repairs and medical expenses. 

However, these policies may not fully cover the extent of the damages. Furthermore, no insurance company likes to lose money, so the chances are high that what they deem payment won’t be enough to cover all of your medical and property expenses. 

Without an experienced personal injury lawyer, you could quickly lose your battle with your insurance company and be responsible for all your injury and accident expenses.

The Cost of Being Hit by a Motorist With No Insurance

On top of the damage to your vehicle, the costs of physical harm to you or a family member’s body can be devastating. When an uninsured driver hits you, all possibilities of them assisting you legally fly out of the window. 

They may say they’re willing to help you out personally without any insurance companies involved, but the chances of you seeing a penny of assistance are low to none. This means that any medical bills, property repairs or loss, and therapy costs that stem from an accident all fall on your shoulders.

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What Clients are Saying

REviews & TEstimonials
    "I recommend anyone looking for a PI attorney to use this firm, you’ll get what you deserve & more."

    Colin Bober is fantastic and always has his client’s best interests at the center of everything he does. Colin is relentless when negotiating with the insurance company.

    - Lauren
    "Knowledgeable PI Attorney!"

    He provides the level of service every client deserves. Colin welcomes the challenges from insurance companies...and he fights for the maximum compensation for the pain and injuries his clients sustain due to the negligence of another. 

    - Former Client
    "Excellent Attorney!"

    I trust Colin to the fullest extent, he will forever be my go-to attorney if I ever needed one again.

    - Former Client
    "Honest and professional."

    I hired Colin to represent me. He made quick work and the issues were resolved quickly. I have full confidence in his abilities and would highly recommend him!

    - Jake
    "Amazing all the way through!"

    Colin made our first experience hiring a lawyer a breeze. He answered all of our questions and concerns and made sure we never felt lost or helpless during this process.

    - Nina

Turn to Colin B. Bober and Associates in Your Time of Need

Without an experienced lawyer on your side, suing an uninsured motorist for physical and emotional injuries is a long process that can result in costing you even more money. In most cases, if the driver can’t afford to pay insurance, they most likely can’t afford to pay you in a lawsuit.

Our team understands the challenges involved in these situations and knows how to navigate the legal system. In such cases, consulting one of our Dallas uninsured motorist lawyers can provide critical guidance; we can explore all available avenues for recovery, including working with the courts to aggressively pursue restitution. 

Get valuable advice and guidance in a free consultation with one of our Dallas attorneys. Make an appointment by phone at (214) 974-4180 or email today. 

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