How Our Uninsured Motorist Lawyers Help in Bedford
We find every source of payment and deal with your insurer, which becomes your opponent once you file a UM claim. Your own company may question fault, your injuries, or the value of your claim.
When you hire us, we:
- Investigate the crash and confirm the other driver’s insurance status
- Review your policy for UM/UIM, PIP, and other coverage
- Gather medical records, bills, and proof of lost wages
- Negotiate with your insurer and, if needed, file a lawsuit
- Look for other liable parties, such as an employer of the at-fault driver
How Uninsured Motorist Claims Work in Texas
An uninsured motorist claim is a claim against your own policy that steps in for the at-fault driver’s missing insurance. Under Texas Insurance Code chapter 1952, insurers must offer UM/UIM coverage, and it is included unless you reject it in writing.
UM/UIM can apply when:
- The at-fault driver has no insurance
- The driver’s liability limits are too low to cover your losses (underinsured)
- A hit-and-run driver can’t be identified
You still need to show the other driver was at fault and prove your damages, just as you would against their insurer.
Other Coverage That Can Help
Personal injury protection (PIP) pays your medical expenses and up to 80% of lost income no matter who caused the crash. Texas insurers must offer at least $2,500 in PIP, and it applies unless rejected in writing. MedPay, health insurance, and collision coverage may also help.
You can also sue the uninsured driver directly. Many uninsured drivers have few assets, so a judgment may be hard to collect. We look at whether that step makes sense.
What to Do After a Crash With an Uninsured Driver
- Call 911 so police document the crash and the other driver’s insurance status.
- Get the driver’s name, license, and plate, plus witness contacts.
- See a doctor promptly and keep your records.
- Notify your insurer of the crash, but talk to a lawyer before giving a recorded statement.
Texas generally allows two years to file a personal injury lawsuit against the at-fault driver. Your policy may set its own notice deadlines, so act quickly.
About Brad Parker
Bedford Uninsured Motorist Claims in Bedford, TX FAQs
How do I know if I have uninsured motorist coverage?
Check the declarations page of your auto or motorcycle policy for "uninsured/underinsured motorist" or "UM/UIM." Texas insurers must offer it, and it is part of your policy unless you signed a written rejection. If you can't tell, we can request the policy and any rejection form from your insurer.
Does uninsured motorist coverage apply to motorcycle crashes?
It can. UM/UIM coverage on your motorcycle policy applies when an uninsured or underinsured driver hits you while riding. Depending on the policy wording, coverage on a household auto policy may also apply. We review every policy in your household to find coverage that might pay for your injuries.
What if the driver who hit me fled the scene?
Call police right away and report the hit-and-run. Uninsured motorist coverage can apply when the at-fault driver can't be identified, but policies set conditions, including prompt reporting. Collect photos, witness names, and any video. These details help show another vehicle caused the crash.
How much does an uninsured motorist lawyer cost?
Parker Law Firm Injury Lawyers handles uninsured motorist claims on a contingency fee. You pay nothing upfront and owe no attorney's fees unless we recover money for you. Our fee will never exceed your recovery, and we explain the exact terms in writing before we start.
Visit Our Bedford Office
Parker Law Firm Injury Lawyers – Bedford Office
2317 Plaza Pkwy #100, Bedford, TX 76021
- Monday – Friday 8:00 am – 5:00 pm
- Saturday – Sunday Closed