Houston Uninsured/Underinsured Motorist Accident Lawyer

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The events following any car accident are frightening. When injuries are involved, you turn to insurance companies to help you pay for the losses that their driver caused you. However, when the at-fault driver does not have an insurance policy to cover your damages, obtaining an insurance settlement becomes more challenging.

Even when an uninsured driver hits you, there are Texas civil laws that protect your rights to compensation. There are civil deadlines that apply to these claims, which means that you should reach out to a Houston uninsured/underinsured motorist accident lawyer at The Law Offices of Omar Khawaja as soon as possible.

We will guide you in making sense of your situation and provide you with information on how you can proceed in obtaining a settlement or court award. Our law firm will not charge you legal or attorneys’ fees until we win your case.

You Have a Right to Financial Compensation Under Texas Civil Laws

The financial devastation of a motor vehicle accident is staggering, and this assertion is especially true regarding UIM/UM matters. However, Texas’s civil laws protect your rights to a civil award when someone negligently causes your accident, no matter the other driver’s financial circumstances.

Types of compensation that The Law Offices of Omar Khawaja have successfully won for clients include:

  • Short- and long-term medical care
  • Lost benefits and wages from time missed at work
  • Physical pain and suffering
  • Emotional distress and mental anguish
  • Lost future earnings capacity if you are unable to return to your job
  • Physical and vocational therapy
  • Wrongful death and survivor action awards for surviving family (wrongful death cases only)
  • Punitive damages for cases involving high-levels of negligence
  • Other recoverable damages by law

If your loved one passed away after a car accident involving an underinsured/uninsured motorist, your family could file a wrongful death case to obtain the money you deserve. There are solutions, even when things seem like they cannot get any worse. A Houston uninsured/underinsured motorist accident lawyer at The Law Offices of Omar Khawaja will ensure that you have all of the answers you need to move forward confidently.

Insurance Limits Can Affect the Outcome of Your Case

When you are hit by an uninsured/underinsured motorist (UIM/UM), it is common for uncertainty to complicate the process. As such, it is vital to understand insurance and personal injury laws and how they apply to your specific situation. A Houston uninsured/underinsured motorist accident lawyer will offer a tremendous source of help in this arena.

First, you should know that every single driver in Texas is legally required to carry a minimum liability policy that covers:

  • $30,000 per injured person
  • $60,000 minimum total limit
  • $25,000 for property damage

When the at-fault driver does not have this form of coverage, you may need to turn to your insurance company for help. If you do not have these insurance benefits, then a Houston uninsured/underinsured motorist accident lawyer will work with your health insurance provider or take the other driver to civil court if he or she has assets.

Protection from Auto Insurance

UM and UIM coverage are types of auto insurance that protect you in case you're involved in an accident with a driver who either doesn't have insurance (UM) or doesn't have enough insurance to cover the damages (UIM).

UM coverage protects you if you're in an accident caused by a driver who doesn't have auto insurance. In Texas, UM coverage is not mandatory, but insurance companies are required to offer it, and drivers have the option to purchase it. UM coverage typically pays for medical expenses, lost wages, and other damages resulting from the accident.

UIM coverage comes into play when you're in an accident with a driver who has insurance, but their coverage limits are insufficient to cover all your damages. For example, if the other driver's policy only covers $25,000 in damages, but your medical bills alone are $50,000, UIM coverage can help cover the gap. Like UM coverage, UIM coverage is not mandatory in Texas but must be offered by insurance companies.

What If I Don't Have UM or UIM Coverage?

If you're involved in an accident with an uninsured or underinsured motorist in Texas and you don't have UM or UIM coverage, recovering compensation can be more challenging. Here are some steps you can take:

  • File a Lawsuit: You have the option to file a lawsuit against the uninsured or underinsured driver to recover damages. If the driver is found to be at fault for the accident, a court may order them to pay compensation for your medical expenses, vehicle damage, lost wages, and other damages.
  • Identify Assets: Determine if the uninsured or underinsured driver has any assets that could be used to compensate you for your losses. This could include personal savings, property, or other valuable assets.
  • Negotiate with the Driver: You can attempt to negotiate directly with the uninsured or underinsured driver to reach a settlement agreement outside of court. Keep in mind that this approach may not always be successful, especially if the driver doesn't have the financial means to compensate you adequately.
  • Explore Other Avenues: In some cases, there may be other parties that could be held liable for the accident, such as employers (if the driver was working at the time of the accident) or third parties whose negligence contributed to the crash. Consulting with a personal injury attorney can help you identify potential sources of compensation.
  • Government Programs: In certain situations, you may be eligible for compensation through government programs such as Medicaid, Medicare, or victim compensation funds. These programs may help cover medical expenses and other costs associated with the accident.

How a Houston Uninsured/Underinsured Motorist Accident Lawyer Will Help

Texas civil statutes allow you to hold negligent parties liable for their reckless or careless actions toward you when they owed you a duty of care. Every driver owes each other a duty of care according to the rules set forth when receiving a driver’s license. In the case of UIM/UM, they are more challenging to pursue since the driver may have committed a hit-and-run or when other forms of coverage are not available.

The first step you or you family should take after an accident is contact a Houston uninsured/underinsured motorist accident lawyer at The Law Offices of Omar Khawaja to help you:

  • Analyze and understand which insurance policies are available
  • Investigate the accident and history of the parties at fault
  • Determine negligence on behalf of the uninsured driver
  • File a claim with comprehensive evidence documentation to insurers
  • Negotiate an insurance settlement or fight for a jury trial award

Our legal team will not back down from a tough battle with insurance companies or unsavory drivers who fail to meet statutory insurance requirements. You will always have a fierce legal partner on your side when dealing with their tactics if you hire a Houston uninsured/underinsured motorist accident at our firm.

Get Legal Help Today from a Houston Uninsured/Underinsured Motorist Accident Lawyer

Ensure that you are not in a position where you are not adequately compensated for your injuries or family members’ death. Hire The Law Offices of Omar Khawaja to investigate your accident and preserve evidence that builds your case. 

Free Case Evaluation

At The Law Offices of Omar Khawaja, you and your family will always be treated as more than just a case number. 

Call us now at (713) 561-5454 for a free case evaluation. You can also message our legal team through our contact form here.

Our Promise To You

What Sets The Law Offices Of Omar Khawaja Apart?
  • Dedicated & Experienced Counsel
    Our team has handled thousands of cases and we have the skills, insight, and commitment to fight for the results you need and deserve. We are not afraid to go to trial and will work until we obtain justice on your behalf.
  • Personal Touch to Personal Injury
    At The Law Offices of Omar Khawaja we pride ourselves on providing personalized attention to each and every one of our clients. We work to get to know you and your case to understand how we can best assist with your goals.
  • Customized Legal Strategies
    We believe that no two cases are alike and work with you to understand, first and foremost, the details of your case and how our team can be most beneficial to you and your needs. Next, we work to collaborate with you on a targeted legal approach.
  • Commitment to Integrity

    Your legal rights are our priority. We give our utmost attention to every case with outstanding morals and work ethic. Our team commits ourselves to ALWAYS providing you and your loved ones with the highest quality legal service around.

Contact The Law Offices of Omar Khawaja for a Free Case Evaluation

If you need a Houston uninsured and underinsured accident lawyer that you can count on and trust to help you through these challenging times, The Law Offices of Omar Khawaja are ready to help. We know how debilitating an accident with a UIM/UM driver is, and it is for these reasons that our firm commits itself to help you every step of the way.

No Advance Attorneys’ Fees Unless You Win

The choice between health care and legal help should never be a decision you are forced to make. As such, our office does not charge our clients any advance legal fees until we win your case. There is no financial risk since we will advance insurance settlement or litigation costs. If we believe that we can add value to your case in the long-run, we will recommend hiring us to win for you.

Fight Back Today

Our skilled attorneys, years of experience, and passion have made us one of the top law offices in Texas. When you have been injured, you need a team dedicated to giving you a voice. The Law Offices of Omar Khawaja is that team. 

Contact Our Team

Let Us Be Your Voice

We Will Aggressively Exercise Your Rights

Every case is different and every client has unique needs. Contact us today to see if we are the right lawyers for you.

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