If you get into a serious car crash, there’s a very real possibility that the at-fault driver won’t have enough liability insurance to cover the damages. This is especially likely in crashes that involve multiple cars and passengers. So what do you do if you find a gap between what you need to pay for your expenses and what the underinsured driver’s policy can pay out? A San Angelo, Texas auto accident lawyer can tell you more about any options and help you with any insurance claims.
Should I Sue an Underinsured Driver Directly?
You can sue an underinsured driver directly, but it can sometimes be difficult to get money out of an individual. An insurance company has a lot of money. If you need thousands of dollars from them, you can make your case and get your compensation. Many people do not have thousands of dollars to give someone after a crash.
The better alternative is usually your own coverage. Uninsured and underinsured driver coverage is made for this exact kind of situation. This coverage can help cover the gap between what you are owed and what another driver’s insurer can pay out.
Do I Have to Carry Underinsured Coverage?
Underinsured coverage is offered with every policy in Texas. It is possible to opt out of it, but it must be done in writing. So unless you took that extra step, you can file a claim with your own insurer and ask to use your underinsured motorist coverage. You can submit a claim with your own insurance company and another driver’s insurance company at the same time.
What Kinds of Damages Can Underinsured Coverage Help With?
Underinsured coverage is meant for bodily injury and property damage, but it can also pay for other related costs. Your coverage should help with things like:
- Medical expenses
- Lost wages
- Pain and suffering
- Vehicle repair or replacement costs
If your injuries are going to affect you for a long time or the rest of your life, your compensation should also be calculated with issues like lost earning potential in mind.
Do I Need an Attorney?
It can be helpful to have an attorney. You are dealing with two insurance companies here, and it might be difficult to get either to give up the compensation you deserve. We can help you negotiate with both insurers and we can help you calculate a fair compensation amount. Let us fight for you while you focus on recovering from your injuries and getting back into your normal routine.
Ask About Our Free Case Consultations
If you were in a car crash and you’re not sure if the other driver’s coverage will be enough to cover your expenses, contact the Mathis Law Firm. We can schedule a free, no-obligation consultation where we can tell you more about your options and how an experienced personal injury attorney can help you.
