Underinsured Motorists

San Antonio Car Accident Lawsuits

The financial costs associated with common car accident injuries, such as broken bones, traumatic brain injuries and paralysis inducing spinal cord injuries can be significant, potentially leaving the accident victim with enormous medical bills and lost income. If you have been injured in a motor vehicle collision caused by another driver, you have a right to demand compensation for your economic losses, but there is a good chance that the other driver's insurance policy will not be large enough to fully cover your claim.

Under section 601.051 of the Texas Transportation Code, drivers in our state are required by law to carry financial responsibility for car accidents, typically in the form of liability insurance. The driver's policy must provide a bare minimum of $30,000 for each injured person and up to $60,000 for everyone involved in the accident, as well as $25,000 for property damage. Unfortunately, these figures are often far less than what is required to cover the full value of an accident victim's claim, yet all too many drivers in San Antonio choose to carry only the minimum insurance coverage required.

How to Make an Underinsured Motorist Claim

In the state of Texas, you can make an underinsured motorist claim fairly easily, especially if you are instructed by a legal professional from our firm when doing so. To begin the process you must first set up the claim, and the simplest way of doing so is usually by calling the number provided by your insurance company, which can be found on your insurance card.

Upon hearing from you about the details of your accident with an underinsured motorist, the insurance company should then begin an investigation into your claim. In order to seek the information they need, you may be asked to sign release forms that allow your insurance provider to obtain your medical records and possibly even employment information such as your payroll record.

The actual negotiation process of your claim will only begin once you have completed any treatment necessary for recovering from your accident. Your insurance company must also successfully obtain all of the records they need for your case before negotiations can begin. It is particularly important at this time to keep in mind that your insurance company cannot be fully trusted. Although the insurance provider is your own, the adjustor working on your case will very likely try to diminish the value of your claim.

Working with an attorney at this time is extremely important to the wellbeing of your case. With a personal injury lawyer form our firm by your side, you will not have to worry about the insurance company taking advantage of you or devaluing your claim to any degree. You will also be able to rest free from the worry that too much information might have been provided to the insurance company when signing any release forms that were provided to you.

As experienced advocates for our clients, we know when an insurance provider is asking for too much information, and we know when that same provider is not offering you as much financial means as your case warrants. The actions we take on your behalf will reflect accordingly. Therefore, we encourage you to involve a member of our team in your legal process as soon as possible. The sooner we are made aware of your accident and claim, the sooner we can begin helping you seek the compensation that you deserve.

Claiming Car Accident Compensation from an Underinsured Motorist

Your own insurance policy may include coverage for underinsured or uninsured motorists, in which case a San Antonio personal injury lawyer from The Law Offices of David McQuade Leibowitz, P.C. can take actions to help you maximize the value of your claim, as well as representing you in a bad faith insurance lawsuit if your carrier unfairly denies or reduces your settlement.

If you have been injured by an underinsured motorist, contact a San Antonio car accident attorney from our firm for help recovering the compensation you deserve.