Dallas, TX Uninsured and Underinsured Accidents Lawyer

Experienced Uninsured and Underinsured Motorist Lawyer Protecting Clients in Dallas, Texas

At some point in life, most people will get in a car accident. In most collisions, the ideal result is a quick exchange of information before handling the rest through insurance. But what happens if the other driver does not have adequate coverage—or any coverage at all? If you need help recovering payment, reach out to a Dallas uninsured and underinsured accident attorney.

When navigating the claims process in Texas, you should turn to an attorney with years of experience and a deep understanding of the law. At the Law Office of J. Gregory Marks, we have helped many clients across decades of personal injury practice. Attorney J. Gregory Marks has represented both insurers and injury victims, so you can trust him to provide you with strong legal advice.

What Is Uninsured Motorist Coverage Used For?

Uninsured motorist coverage is a type of protection you carry on your own auto insurance policy. It applies when the driver who caused your accident has no liability insurance at all, which happens more often than most people expect. Texas law does not require drivers to carry uninsured motorist coverage, but insurers must offer it, and accepting it can prove to be a wise decision if you are ever hit by a driver who has none.

This coverage can pay for medical expenses, lost wages, pain and suffering, and other losses you would otherwise be unable to recover from the at-fault driver directly. In a hit and run situation where the driver is never identified, uninsured motorist coverage may be your only avenue for compensation.

Filing a claim under your own policy does not mean the process will be simple. Your insurer may still try to limit what it pays. Disputes over the extent of your injuries or the value of your claim are not uncommon.

What Is Underinsured Motorist Coverage Used For?

Underinsured motorist coverage is used in cases where the other driver has insurance, but their policy limits are not high enough to fully cover your losses. Texas requires drivers to carry a minimum of $30,000 in liability coverage per person, but catastrophic injuries can run far higher than that amount. When the at-fault driver's policy runs out before your damages are fully compensated, underinsured motorist coverage can pay for additional losses.

Like uninsured motorist coverage, this protection is part of your own policy and requires you to file a claim with your own insurer. Understanding what your policy covers and having someone advocate for the full value of your claim can help maximize your total payout.

Other Sources of Compensation in a Dallas Car Accident

Uninsured and underinsured motorist coverage are not the only potential sources of recovery after a crash. Other parties may share responsibility for what happened as well. A vehicle manufacturer can be liable if a defective part contributed to the collision. A government entity may bear responsibility if a dangerous road condition or poorly maintained traffic signal played a role. An employer can be held accountable if the at-fault driver was working at the time of the collision.

Identifying every available source of compensation requires a thorough investigation of the facts. Settling too quickly or looking only at the most obvious source of recovery can leave significant compensation on the table. An attorney can review the full circumstances of the crash and work to make sure nothing is overlooked before any agreement is reached.

Meet With a Dallas, Texas Uninsured and Underinsured Accident Attorney

When the driver who caused your accident has little or no insurance, recovering fair compensation can feel like an uphill battle. At the Law Office of J. Gregory Marks, we are here to assist with your claim. Call our office at 214-427-4417 or contact our Dallas, TX uninsured and underinsured accident lawyer to arrange a free initial consultation.