What About Uninsured Motorists?

Oftentimes you may think that the person who hit you and who was the cause of the accident doesn't have insurance and you may be out of luck. Well, number one, they may say they don't have insurance and they may not be telling you the truth. Number one, they don't have their insurance card with them or they've been involved in so many accidents that they don't want you finding out who their insurance company is and they think that you may just go away.

The other thing is that you may have insurance on your own vehicle and it's called personal injury protection or uninsured or underinsured motorist protection, which is additional coverage that you have on your vehicle other than liability that is available for your own use in which you're paying your own premiums for those instances in where you are involved in an accident when somebody does not have insurance.

So just because somebody doesn't have insurance does not necessarily mean that you are out of luck. So we can explain those rights to you and what coverages may or may not exist. Feel free to call me and let me know.

A lot of times people will say, you know, I was hit by someone that didn't have insurance. What are my rights or what am I going to do? Well, don't be discouraged because there may be a lot of reasons why at the scene of the accident the driver who hit you or caused the accident tells you they didn't have insurance. For starters, this person may have been in so many accidents they just don't want you making a claim against their insurance and they didn't want to give it to you. There are ways that we can find out if they have insurance and they just may not be telling you the truth. The second thing is maybe they don't have insurance. That still doesn't mean that you're not entitled to a claim. You may have insurance on your own policy which is called uninsured or underinsured motorist protection. And you're going to say, well, I don't want to go after my own insurance company, but the truth of the matter is you've paid good hard-earned money paying premiums for that coverage and you're entitled to go after that insurance coverage on your own policy when you are involved in an accident with somebody that doesn't have insurance, and that's what that protection's for. And what happens is your insurance company steps into the shoes of the driver who hit you just as if they had insurance on their vehicle. So that's what that protection is there for.

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The Texas personal injury attorneys at Rasansky Law Firm represent clients throughout Texas, including Arlington, Austin, Corpus Christi, Dallas, El Paso, Fort Worth, Garland, Houston, Kauffman, Lubbock, San Antonio and Tyler. Our personal injury lawyers handle a various types of personal injury claims, including automobile accidents, medical malpractice, birth injuries, nursing home abuse, product liability, defective products, premises liability, day care abuse, maritime injuries, workplace injuries, overtime pay, social security disability benefits and securities fraud.



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