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Uninsured / Underinsured Motorist Accident

Drivers in Houston are legally required to carry liability insurance, that covers the medical bills and property damage they may cause in an accident. However, some drivers do not carry an amount of coverage sufficient to cover the injuries and damage. Worse still, some drivers break the law and do not have insurance at all. The Insurance Research Council gives Americans a 14 percent chance of being involved with an uninsured driver. If you are in an accident cause by another motorist's negligence, and that motorist does not carry proper insurance, you might be a particularly complicated legal situation.

Houston Uninsured Motorist Accident Lawyer

Luckily, no legal situation arising out of an auto accident is too difficult or complicated for the experienced Houston uninsured motorist accident lawyers at Wilhite & Associates, P.C., to tackle. Our lawyers will look for ways that you might be compensated after an accident with uninsured or underinsured driver, whether it is the responsible party or your own insurance company. Call us today at (281) 537-2171 for a free consultation to discuss your accident.

Based in North Houston, we are able to represent the victims of uninsured and underinsured motorist accidents in Harris County, Montgomery County, Fort Bend County, Waller County, Washington County and Grimes County.


Texas Minimum Liability Insurance Requirements

Texas law requires a driver to carry a minimum amount of coverage of $30,000 for each person, $60,000 per accident and $25,000 for property damage, known as 30/60/25 coverage. Many drivers only carry this bare minimum.

However, hospital bills, physical therapy and other medical expenses can run far beyond that amount. You could also be out of work for a significant amount of time. You may have lost the ability to perform your job, meaning you've lost out on future wages. You may need to retrofit your house to accommodate a new disability. You may also have a more expensive car that the accident totaled. Minimum coverage may not coverage the extent of your actual damages.


Uninsured Drivers in Harris County

Some drivers simply do not carry insurance. They may have had their policies canceled after too many accidents. They may not be able to obtain liability insurance. They may not be able to afford it, and opted to just drive illegally. Their policy may have lapsed from non-payment or expired, and their either did not realize it or chose to do nothing about it.

Many times, an uninsured driver knows he or she is uninsured and out of legal compliance. When he or she gets in an accident, he or she may quickly drive away, hoping to avoid responsibility. This is called a "hit and run."  Others may attempt to give you false, expired or lapsed insurance information, which you may not discover until you attempt to collect.


Options for Houston Victims of Uninsured Drivers

Just because a driver is not in legal compliance does not mean he or she can avoid legal responsibility for their negligence, and just because a driver doesn't carry sufficient insurance doesn't mean he or she can skip the bill. A Houston auto accident lawyer can seek to hold the responsible uninsured or underinsured driver accountable for his or her negligence. The driver may have assets or other means to pay, which your lawyer can discover and act upon.

Your insurance policy may also cover accidents involving uninsured or underinsured motorists. However, dealing with your insurance company may be difficult, and they may seek to give you less than what you're owed. Your attorney can negotiate on your behalf with the insurance company to get a more fair settlement.


Wilhite & Associates, P.C. | Harris County Underinsured Motorist Accident Attorney

Getting into an accident with an uninsured or underinsured motorist doesn't necessarily mean you're stuck high and dry. Our Houston uninsured motorist lawyers can help you. Call Wilhite & Associates, P.C., at (281) 537-2171 to set up a free consultation.

Wilhite & Associates, P.C. represents clients from all over Southeast Texas, including:

Harris County - Aldine, Atascocita, Barrett, Barker, Baytown, Bellaire, Brownwood, Bunker Hill Village, Channelview, Clear Lake, Cloverleaf, Crosby, Cypress, Deer Park, East Houston, El Lago, Galena Park, Hedwig Village, Highlands, Hilshire Village, Houston, Hudson, Humble, Hunters Creek Village, Jacinto City, Jersey Village, Katy, Kingwood, Klein, La Porte, Louetta, Lynchburg, Nassau Bay, North Houston, Pasadena, Piney Point Village, Seabrook, Sheldon, Shoreacres, South Houston, Southside Place, Spring, Spring Valley, Taylor Lake Village, Tomball, Webster, West University Place

Montgomery County - Conroe, Cut and Shoot, Magnolia, Montgomery, Oak Ridge North, Panorama Village, Patton Village, Roman Forest, Shenandoah, Splendora, Stagecoach, Willis, Woodbranch, Woodloch, The Woodlands

Fort Bend County - Arcola, Beasley, Fairchilds, Fulshear, Kendleton, Meadows Place, Missouri City, Needville, Orchard, Pleak, Richmond, Rosenberg, Simonton, Stafford, Sugar Land, Thompsons

Waller County - Brookshire, Hempstead, Pattison, Pine Island, Prairie View, Waller

Grimes County - Anderson, Bedias, Iola, Navasota, Todd Mission

Washington County - Brenham, Burton, Chappell Hill

The hiring of a personal injury attorney or other civil law attorney is an important decision that should not be based solely upon advertisements. Before you decide which Houston attorney to hire for your case, ask us to send you free written information about our legal experience and qualifications.

This site is sponsored by George W. Wilhite, P.C. Our principal office is located in Harris County, Texas at 17101 Kuykendahl Rd., Houston, TX 77068.

The information provided on this website is for general information purposes only. The information you obtain at this website is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your own particular situation. The content of this site, including but not limited to written text, images, videos, and informational articles, has not been prepared, endorsed, or reviewed by any form of licensed medical professional, doctor, or physician. The information you obtain at this site is not, nor is it intended to be, medical advice. All visitors are encouraged to consult with a physician or other licensed medical professional for any form of medical advice.

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