Dallas Uninsured Motorist Accident Attorneys

High-Quality Representation for Uninsured Motorist Claims

While any car accident can be stressful, uninsured motorist accidents can be especially aggravating. In addition to dealing with the physical and emotional aftermath of a collision, knowing the other driver doesn’t have insurance to cover your damages can create additional frustration. While navigating the legal complexities of uninsured motorist claims can be overwhelming, you don’t have to fight this battle alone. 

At J. Alexander Law Firm, our uninsured motorist accident lawyers have years of experience representing injured motorists in Dallas. With a proven track record of results and a vast professional network of contacts and resources, we take pride in providing compassionate counsel when you need it most. From filing a claim to arranging expert testimonies to strengthen your case, we can aggressively protect your rights while advocating for the fair settlement you deserve. 

Hit by an uninsured motorist in Dallas? Turn to our lawyers for high-quality representation. Call (214) 206-3264 to schedule a free consultation. 

What Is an Uninsured Motorist Accident?

According to the Texas Department of Insurance (TDI), over 2.6 million registered vehicles in Texas lack an insurance policy. With uninsured motorists making up 8.3% of Texas drivers, it’s imperative to know your rights after an uninsured motorist accident. 

An uninsured motorist accident occurs when a driver without auto insurance coverage causes a collision. Under Texas law, uninsured motorist insurance provides crucial protection for victims, allowing them to seek compensation for medical expenses, lost wages, and other damages when the responsible party lacks adequate coverage. 

Can I Sue an Uninsured Motorist in Texas?

If you were hit by an uninsured motorist, you deserve compensation for your injuries. This is where a seasoned uninsured motorist accident lawyer can make all the difference. In Texas, drivers have two options for recovering damages after an uninsured motorist accident:

1. File a claim with your insurance company: If your auto policy includes uninsured/underinsured motorist coverage (UM/UIM), you can file a claim with your own insurance company. 
2. Sue the uninsured driver directly: If you have insufficient UM coverage or no coverage at all, you can file a personal injury lawsuit against the driver. 

While filing a claim with your insurer may be less time-consuming, this coverage can only cover damages up to your policy limit. With the help of an experienced attorney, you may be able to recover additional compensation in a lawsuit. Your lawyer can evaluate your case with a practiced legal eye to determine the validity of your claim and advise your legal steps based on your specific circumstances. 

Common Causes of Uninsured Motorist Accidents

Uninsured motorist accidents are often preventable. Understanding the common causes can help reduce the risk. Here are some key factors:

• Driving Under the Influence (DUI): Uninsured drivers are more likely to be involved in accidents while under the influence of alcohol or drugs. This increases the chances of a serious collision.
• Distracted Driving: Texting, talking on the phone, or engaging in other distractions often lead to accidents. Drivers who aren’t paying attention may also lack the necessary insurance.
• Reckless Driving: Aggressive driving behaviors like speeding, tailgating, or running red lights can result in accidents. Uninsured drivers may engage in these risky behaviors, increasing the likelihood of a crash.
• Poor Vehicle Maintenance: Some uninsured drivers may not keep their vehicles in good condition. Mechanical failures due to poor maintenance can lead to accidents, leaving the victim to deal with the consequences.

By recognizing these causes, drivers can take preventive measures, such as staying sober, focusing on the road, and properly maintaining their vehicles.

How Uninsured Motorist Coverage Protects You

Uninsured motorist (UM) coverage provides essential protection if you're involved in an accident with an uninsured driver. Here’s how it works:

• Uninsured Motorist Bodily Injury (UMBI): This coverage helps pay for medical bills, lost wages, and pain and suffering caused by injuries sustained in an accident with an uninsured driver.
• Uninsured Motorist Property Damage (UMPD): If your car is damaged in an accident with an uninsured driver, UMPD can help pay for repairs or even a replacement vehicle.
• Underinsured Motorist Coverage: This applies when the at-fault driver’s insurance isn’t enough to cover your damages. If the driver’s policy limits are too low, your underinsured motorist coverage can make up the difference.

Having UM coverage ensures you’re protected financially, even when the other driver lacks insurance.

How Uninsured Motorist Claims Work

Filing a claim after an uninsured motorist accident can be complex. Here’s a breakdown of how it works:

• Filing with Your Insurer: If you have UM coverage, you’ll file a claim with your own insurance company. They’ll assess the damages and work to provide compensation based on your policy.
• Claim Denials and Disputes: Sometimes, insurers may deny or undervalue your claim. If this happens, you have the right to challenge the decision. An attorney can help navigate this process and fight for fair compensation.
• The Role of an Attorney: A skilled attorney can help you negotiate with your insurance company and, if necessary, pursue legal action against the uninsured driver. They ensure your rights are protected and work toward the best possible outcome.

What Damages Can I Recover in an Uninsured Motorist Accident?

Various damages may be recoverable in an uninsured motorist lawsuit. Common damages include: 

Does Texas Require Uninsured Motorist Coverage (UM)?

Uninsured motorist coverage (UM) isn’t mandatory in Texas, but insurers are required to offer it when drivers purchase car insurance. If you choose to purchase UM coverage, state law requires insurance companies to offer a minimum of $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage coverage. If involved in an accident with an uninsured driver, UM coverage can help cover medical expenses and property damage up to these limits. 

I Was Hit by an Uninsured Driver in Dallas. What Now?

If you were hit by an uninsured driver in North Texas, time is of the essence. Here are five steps to take after an uninsured motorist accident: 

1. Seek medical attention: Your health is a top priority after an accident. Seeking medical care is essential to rule out serious harm and establish formal documentation of your injuries. 
2. Report the accident: If no one else has done so, report the accident to local law enforcement or the appropriate authorities. 
3. Exchange information: If possible, exchange contact and insurance information with other involved parties on the scene, including the at-fault motorist and any eyewitnesses who saw the accident occur. 
4. Gather evidence: Take photos and videos at the accident site to document your injuries, any vehicular damage, nearby landmarks or street signs, and other evidence that can strengthen your claim. 
5. Consult with an attorney: Securing representation from a qualified uninsured motorist lawyer is critical to recovering compensation after an accident. Your attorney can help you navigate the claims process, protect your rights, and represent you at trial if necessary to obtain a fair settlement. 

FAQs About Uninsured Motorist Accidents

• What should I do if I’m hit by an uninsured driver in Dallas?
  If you're involved in an accident with an uninsured driver, it's crucial to:
  • Seek medical attention right away.
  • Report the accident to the police.
  • Gather contact information from all involved parties and any witnesses.
  • Take photos and videos of the scene to document the damage.
  • Contact an experienced uninsured motorist attorney to help with the claims process.
• What happens if the at-fault driver doesn’t have enough insurance?
  If the driver responsible for the accident has insufficient insurance, you can still seek compensation through your underinsured motorist (UIM) coverage if you have it. UIM coverage helps bridge the gap between the at-fault driver’s insurance and the actual costs of your damages.
• How does uninsured motorist coverage work?
  Uninsured motorist (UM) coverage helps cover medical expenses, vehicle repairs, and other damages caused by an uninsured driver. This coverage applies if the other driver is at fault and doesn't have insurance or enough coverage to pay for your damages.
• Can I file a lawsuit against an uninsured driver in Texas?
  Yes, if you have insufficient uninsured motorist coverage or no coverage at all, you can file a personal injury lawsuit against the uninsured driver. Your attorney can help you navigate this process and pursue the compensation you deserve.
• How can an attorney help with my uninsured motorist claim?
  An attorney can assist in several ways:
  • Negotiating with your insurance company to ensure you receive fair compensation.
  • Handling disputes with insurers who may deny or undervalue your claim.
  • Representing you in court if a lawsuit is necessary to recover compensation from the at-fault driver.

Why Partner with J. Alexander Law Firm?

If you were harmed by an uninsured motorist in the Dallas-Fort Worth Metroplex, J. Alexander Law Firm is here to help. Here are some advantages of partnering with our uninsured motorist attorneys: 

• Legal experience: Our advocates have years of experience and are well-versed in personal injury law to guide your legal steps with wisdom and integrity. 
• Proven case results: Our firm has recovered over $10 million in settlements for Texans like you, giving you peace of mind that your case is in trusted hands. 
• Trial preparation: We never shy away from a trial if necessary to obtain a favorable outcome. By employing effective litigation strategies, we can fight to hold insurers accountable and obtain a fair settlement.
• Complimentary case evaluations: We offer free consultations for your convenience and operate on a contingency fee basis, meaning you pay nothing until we recover compensation in your case. 
• Individualized representation: Our firm takes pride in providing high-quality representation tailored to your unique legal needs. No matter what, you can trust us to give your case the time and personalized attention it deserves. 

If you or a loved one was harmed by an uninsured motorist in Dallas, contact us online to discuss your case with our attorneys.