Guest and Gray, P.C. has successfully helped countless personal injury and wrongful death victims and their families recover under their uninsured/underinsured motorist policies in the greater Dallas-Fort Worth areas, including Forney, Dallas, and Rockwall counties.
Making and Uninsured/Underinsured Claim in Texas
Making an uninsured motorist claim is much like making claims against the at-fault party’s insurance, except that this is typically your own “excess” policy to help take care of medical bills and lost wages when you have already maxed out the at-fault party’s liability policy.
To explain this a bit easier: Uninsured and Underinsured motorist coverage is policy coverage that is included in your own personal auto-policy. Many people purchase such coverage to ensure that, in the event of a catastrophic accident, they have some additional coverage for themselves and their passengers. The reason these policies exist is because Texas, like many states, has a minimum policy of $30,000 per person and $60,000 per accident liability policy. As any personal injury attorney can tell you, $30,000 in medical bills is nothing. Medical bills after major automobile accidents can be in the hundreds of thousands of dollars and that can put the injured victim in a predicament, because regardless of the fact that someone else was responsible for the accident, the victim is responsible for the medical bills. As a result, many people choose this type of “no-fault” coverage that is triggered when the at-fault party’s insurance has been exhausted. This helps the injured victim, and their attorneys, make sure that providers are paid and that those medical bills stay off of your credit.
The process of making an uninsured/underinsured claim is essentially the same, except that your attorney will need to include information related to the at-fault party’s insurance policy and all of your relevant medical records and billing, and present a case for any lost wages and future damages, as a result of the accident. Although it is “no-fault”, that does not mean that the insurance company will simply hand the money out. Your attorney will still need to prove that the funds are necessary to ensure a full financial recovery for your injuries and lost wages.
If you have been injured in an accident and your medical bills are higher than the liability policy of the other party, you need to contact Guest and Gray, P.C. and we will help you make any and all insurance claims under the at-fault party and your own “no-fault” coverages, to ensure that you receive top compensation for your injuries.
Guest and Gray, P.C. serves the greater Dallas-Fort Worth area, specifically Dallas, Fort Worth, Rockwall and all of East Texas, including Forney, Terrell, Kemp, Tyler, Palestine and all the way to Longview. So, if you have questions about insurance coverage after an accident, give Guest and Gray, P.C. a call today and let us provide you with a free case analysis. We take all personal injury cases, including wrongful death and survival actions, on a contingency fee basis, meaning we don’t get paid unless we win your case. So, why wait? Call today!