Austin Uninsured Motorist Accident Attorney
Hit by an uninsured or underinsured driver in Austin, Texas? Medina & Medina helps accident victims recover compensation through UM/UIM claims. Free consultation.
Texas has one of the highest rates of uninsured drivers in the nation. Studies estimate that roughly one in five drivers on Texas roads does not carry the legally required auto insurance. When one of these uninsured drivers causes an accident in Austin, the injured victim is left facing a serious problem. The at fault driver has no insurance to pay for the victim's medical bills, lost wages, or pain and suffering, and pursuing a judgment against someone with no insurance often means pursuing someone with no assets.
This is where uninsured and underinsured motorist (UM/UIM) coverage becomes critical. If you carry UM/UIM coverage on your own auto insurance policy, you can file a claim with your own insurer to recover compensation when the at fault driver has no insurance or insufficient insurance to cover your losses. Texas law requires insurance companies to offer UM/UIM coverage to every policyholder, though you can decline it in writing.
Unfortunately, many insurance companies treat UM/UIM claims just as adversarially as they treat claims against the other driver. Your own insurer may try to deny your claim, minimize the value of your injuries, or delay payment hoping you will accept a lowball offer. You need an experienced attorney who knows how to hold insurance companies accountable and fight for the full value of your claim.
At Medina & Medina, we have handled countless uninsured and underinsured motorist claims for Austin accident victims. We understand the tactics that insurance companies use, and we are prepared to take your case to trial if necessary to secure the compensation you deserve. Contact us today for a free case evaluation and let us help you navigate this challenging situation.
Common Causes
- The at fault driver has no auto insurance at all
- The at fault driver carries only the minimum liability coverage required by Texas law
- The at fault driver's insurance policy has lapsed due to nonpayment
- The at fault driver is excluded from the vehicle owner's policy
- A hit and run driver who cannot be identified or located
- The at fault driver's insurance company denies coverage based on a policy exclusion
Common Injuries
- Whiplash and soft tissue injuries
- Broken bones and fractures
- Traumatic brain injuries
- Back and spinal cord injuries
- Internal injuries and organ damage
- Chronic pain conditions
- Emotional distress and psychological trauma
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Our team is ready to fight for your case. Free consultation. We do not charge unless we win.