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.