Uninsured Motorist Claims

Dallas Uninsured Motorist Claim Attorneys

What is Uninsured Motorist Coverage in Texas?

Uninsured motorist coverage is a type of auto insurance that can be purchased by a policyholder to cover any damages resulting from an accident with an uninsured driver. In Texas, it is not mandatory to have uninsured motorist coverage, but it is strongly encouraged by the Texas Department of Insurance, as well as our legal team at Aldous \ Walker LLP.

Uninsured motorist coverage protects from the financial losses that can result from a car accident with an uninsured driver, such as medical expenses, lost wages, and pain and suffering. If you have been involved in an accident with an uninsured driver, you may be able to file a claim with your own insurance company to recover compensation.

Our Dallas uninsured motorist claim lawyers can provide you with the legal representation you need to secure a fair settlement. We have extensive experience in dealing with insurance companies and can help you navigate the complexities of the claims process.

Call our office at (214) 307-6307 or contact us online to schedule a free consultation with one of our attorneys today.

What is an Uninsured Motorist?

An uninsured motorist is someone who operates a vehicle without having the legally required auto insurance coverage. In many places, having auto insurance is mandatory to protect both drivers and other parties in the event of an accident. Uninsured motorists pose significant risks to themselves, other drivers, and pedestrians because they lack the financial means to cover damages and medical expenses resulting from accidents.

Common reasons why motorists may not pay for auto insurance include:

  • Financial Constraints: Some individuals may struggle to afford the cost of auto insurance premiums, especially if they are on a tight budget or have other financial obligations.
  • Ignorance of the Law: Some motorists may not be aware of the legal requirement to have auto insurance in their jurisdiction. This could be due to lack of education or misinformation.
  • Risk Tolerance: Some individuals may perceive the risk of getting caught driving without insurance as low and decide to forgo coverage to save money.
  • Belief that they are Good Drivers: Some motorists may believe they are skilled and cautious drivers, leading them to underestimate the likelihood of being involved in an accident and thus, not seeing the need for insurance.
  • Lack of Trust in Insurance Companies: Some people may have had negative experiences with insurance companies in the past or distrust the insurance industry in general, leading them to avoid purchasing coverage.
  • Uninsured/Underinsured Coverage Misunderstanding: Some motorists may mistakenly believe that if they're in an accident with an uninsured driver, their own insurance will cover the damages. While uninsured/underinsured motorist coverage can provide some protection in such situations, it doesn't exempt them from having their own insurance.
  • Illegal Activity or Driving History: Individuals with a history of driving violations, such as DUIs (Driving Under the Influence) or multiple traffic violations, may find it difficult to obtain affordable insurance or may choose to drive uninsured to avoid higher premiums.
  • Vehicle Not in Regular Use: Some people may have vehicles that they rarely use or only use on private property, leading them to believe they don't need insurance. However, even vehicles not in regular use may require insurance depending on local regulations.

Steps After an Accident with an Uninsured Driver

If you have been involved in an accident with an uninsured driver, you should take the following steps to help you recover compensation for your damages:

  • Call the police: After an accident, you should always call the police to report the accident and obtain an accident report. The police report can be used as evidence when filing a claim with your insurance company.
  • Exchange information: You should exchange information with the other driver, including their name, contact information, and license plate number.
  • Take photos of the accident: You should take photos of the accident scene, as well as the damage to your vehicle.
  • Seek medical attention: Even if you do not feel any pain after an accident, you should still seek medical attention. Some injuries may not present symptoms for days or even weeks after the accident.
  • Call your insurance company: You should contact your insurance company as soon as possible to report the accident and file a claim.

How to Prove an Uninsured Motorist Claim

When you file an uninsured motorist claim, you will be required to prove that the other driver did not have insurance. You will also need to prove that the other driver was at fault for the accident and that you suffered damages as a result. The following evidence can help you prove your claim:

  • Police report: The police report can provide evidence that the other driver did not have insurance.
  • Witness statements: If there were any witnesses to the accident, their statements can be used as evidence.
  • Photos of the accident: Photos of the accident scene can provide evidence of the other driver's negligence.
  • Photos of the damage: Photos of the damage to your vehicle can also be used as evidence.
  • Medical records: Medical records can provide evidence of your injuries and the costs of your medical treatment.
  • Proof of lost wages: You may also be able to recover compensation for lost wages. You will need to provide proof of your lost wages, such as a letter from your employer.

Our Attorneys Can Help You File an Uninsured Motorist Claim

At Aldous \ Walker LLP, our attorneys have extensive experience in dealing with insurance companies and can help you navigate the complexities of the claims process. We can help you file a claim and fight for the compensation you need to cover the cost of your damages.

We can also help you file a lawsuit if your insurance company refuses to pay your claim or offers you a low settlement. Our attorneys can provide you with the legal representation you need to secure a favorable outcome in your case.

Contact us today at (214) 307-6307 to discuss your case with our team.

THE ALDOUS \ WALKER DIFFERENCE

  • Our entire team works on each case we handle.
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    2024 Best Law Firms

    Aldous \ Walker LLP has been consistently selected to the list of Best Law Firms by U.S. News and Best Lawyers as a Tier 1 law firm, the highest possible ranking that recognizes the firm's years of groundbreaking success.

  • Best Lawyers "Lawyer of the Year" 2021
    Best Lawyers "Lawyer of the Year" 2021

    Attorney Charla Aldous has been named the "Lawyer of the Year" by the Best Lawyers in America eight times, in 2009, twice in 2013, 2016, 2017, 2018, 2019 and 2021.

  • Best Lawyers in America
    Best Lawyers in America

    Attorney Charla Aldous has been selected to the list of the Best Lawyers in America every year since 2013, attorney Brent Walker has been selected to the list every year since 2018 and attorney Caleb Miller has been selected since 2020.

  • Inner Circle of Advocates
    Inner Circle of Advocates

    Attorney Charla Aldous is a member of the Inner Circle of Advocates, a prestigious organization whose members consist of the 100 best plaintiff trial lawyers in the United States.

  • American Board of Trial Advocates
    American Board of Trial Advocates

    Attorney Charla Aldous is a member of the American Board of Trial Advocates, a nationwide organization of lawyers who care passionately about the trial system in the United States.

  • American College of Trial Lawyers
    American College of Trial Lawyers

    Charla Aldous is a Fellow of the American College of Trial Lawyers, membership in this organization is invitation-only, and is extended to the very best trial lawyers who display the highest degrees of professionalism and ethics.

  • National Trial Lawyers Top 100
    National Trial Lawyers Top 100

    Attorneys Charla Aldous and Brent Walker have been included in this invitation-only group of premier trial lawyers in each state.

  • Super Lawyers
    Super Lawyers

    Attorney Charla Aldous has been selected to the list of Super Lawyers every year since 2003 and attorney Brent Walker has been selected to the list every year since 2013.

  • D Magazine’s Best Lawyers in Dallas Hall of Fame
    D Magazine’s Best Lawyers in Dallas Hall of Fame

    Charla Aldous is an inducted member of D Magazine’s Best Lawyers in Dallas Hall of Fame, a distinction reserved for attorneys who been named to the Best Lawyers in Dallas list at least 15 times.

  • D Best 2023
    D Best 2023

    Attorneys Charla Aldous & Brent Walker are selected to the list of the best lawyers in Dallas by D Magazine.

  • National Trial Lawyers Top 40 Under 40
    National Trial Lawyers Top 40 Under 40

    Attorney Brent Walker is a member of the National Trial Lawyers: Top 40 under 40, an invitation-only organization comprised of the top young trial lawyers in every state.

  • International Society of Barristers
    International Society of Barristers

    Attorney Charla Aldous is a member of International Society of Barristers, an organization committed to bringing together the best members of the legal community from across the globe.

  • International Academy of Trial Lawyers
    International Academy of Trial Lawyers

    Attorney Charla Aldous is a member of the International Academy of Trial Lawyers, an invitation-only organization compromised of the most accomplished trial lawyers from across the globe.

  • D Best Lawyers Under 40
    D Best Lawyers Under 40

    Attorney Caleb Miller was selected to the list of the best lawyers under 40 years old in Dallas by D Magazine.

  • Lawdragon 500 Leading Plaintiff Consumer Lawyers
    Lawdragon 500 Leading Plaintiff Consumer Lawyers

    Charla Aldous and Brent Walker have been selected to the Lawdragon 500 Leading Plaintiff Consumer Lawyers list, a distinction earned by top-rated advocates who have garnered the respect and esteem of their peers.

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