Why You Need a Lawyer for a UM/UIM Claim

After a serious car accident, many Texans are shocked to discover the at-fault driver either has no insurance or does not have enough insurance to cover their damages. Fortunately, Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage may be available through your own insurance policy. Many people assume that because they are dealing with their own insurance company, hiring a lawyer is unnecessary. Unfortunately, that is not always the case.

In Texas, UM/UIM claims can become just as complicated as claims against the at-fault driver. Having an attorney on your side can help protect your rights and maximize your recovery.

Texas Insurance Companies Can Still Dispute Your Claim

One of the biggest misconceptions about UM/UIM claims is that your insurance company automatically accepts your version of events. In reality, Texas insurers often investigate UM/UIM claims just as aggressively as they would a claim filed by someone insured by another company. They may dispute who caused the accident, question the severity of your injuries, or argue that certain medical treatment was unnecessary. Texas law generally requires you to prove that you would have been entitled to recover damages from the at-fault driver before UM/UIM benefits become available. An attorney can gather evidence, obtain witness statements, review police reports, and build a strong case on your behalf.

Determining the Full Value of a Texas UM/UIM Claim

Many accident victims focus only on their current medical bills. However, Texas law may allow recovery for additional damages, including:

• Future medical expenses

• Lost wages

• Reduced earning capacity

• Physical impairment

• Pain and suffering

Without legal guidance, it can be difficult to know whether a settlement offer fairly compensates you for all of your losses.

Avoid Mistakes That Could Harm Your Claim

Texas UM/UIM claims often involve policy requirements, notice provisions, and important deadlines. In some situations, settling with the at-fault driver's insurance company before properly notifying your own carrier can create problems for your UM/UIM claim. An attorney can help ensure that your claim is handled correctly from the beginning and that important rights are preserved.

Insurance forms

When Your Own Insurance Company Refuses to Pay Fairly

Many people are surprised to learn that disputes frequently arise in Texas UM/UIM claims. Your insurer may offer less than the claim is worth or deny portions of the claim altogether.

If that happens, an attorney can negotiate with the insurance company, present evidence supporting your damages, and pursue additional legal remedies when necessary.

The Bottom Line

You purchased UM/UIM coverage to protect yourself and your family. However, filing a claim with your own insurance company does not guarantee a smooth process. Texas UM/UIM claims often require accident victims to prove fault, document their damages, and negotiate with an insurance company whose interests may not always align with their own. Having an experienced Texas personal injury attorney on your side can help level the playing field and ensure your rights are protected every step of the way.

Please reach out to the Le Blanc Law Practice for a free case evaluation if you were involved in a recent accident.

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