Uninsured or underinsured motorists can leave you with serious medical bills that you are unable to pay. Many people do not know how UIM coverage works or that it can apply if the other driver flees the scene or lacks sufficient insurance. We explain how UIM can fill the gap and even help when you get hit by a driver who runs away. We keep this in plain language so you can understand your rights.
At David Komie Law, we bring 30 years of real-world experience to your side. We are approachable attorneys who treat you like a neighbor, not a case number. We come from insurance defense backgrounds, so we know exactly how insurers operate, and that helps you.
Understanding How Uninsured And Underinsured Motorist Coverage Works
Uninsured motorist (UM) and underinsured motorist (UIM) coverage are parts of your auto insurance that protect you when the other driver cannot pay for the damage they cause. UM coverage applies if the at-fault driver has no insurance at all. UIM coverage applies if they have some insurance, but not enough to cover all of your medical bills, lost wages and other accident-related expenses. In Texas, this coverage also protects you in hit-and-run accidents when no one identifies the driver. You must purchase it before an accident happens, and having it often means the difference between paying out-of-pocket and receiving fair compensation.
Uninsured Motorist Insurance Coverage Required To Be Offered
Your automobile insurance company must offer uninsured motorist coverage, or else you are required to give them a copy of your signed written rejection. According to Texas Legislature, uninsured motorist coverage protects people from financial burdens due to irresponsible motorists and their negligent actions. There is a $250 deductible for property damage and no deductible for bodily injury, depending on the coverage limit of your insurance policy.
Not covered by uninsured motorist policy includes:
- Collision with a governmental vehicle
- Collision with vehicle designed for off-road use
- Collision with a trailer home, especially when it remains stationary
- Collision with a vehicle that you or your family member owns
- Collision with your vehicle that’s used for paid services, like taxi or rental
- Collision with stolen vehicle
- Collision due to intentional act
Why Texas Drivers Benefit From Stacking UIM Policies
If you have multiple vehicles in your household with multiple policies, you may be able to combine — or “stack” — these policies, multiplying your coverage. When you consider your options, the following benefits may matter most. Think of UIM as a safety net for medical bills and other expenses. These are key advantages to understand:
- Stack your coverage in Texas to increase your protection
- Pay for hospital stays that can cost tens of thousands of dollars
- Help after hit-and-run accidents where the other driver disappears
- Fill gaps when the other driver does not carry enough insurance
These benefits explain why having UIM is so important.
When Hit-And-Run Accidents Trigger Your UIM Protection
Hit-and-run accidents are a common reason drivers turn to their UIM policy. Even when no one identifies the other driver, your coverage pays for emergency treatment, rehabilitation and lost wages. Because Texas allows policy stacking, drivers may have more funds available than they realize.
What To Do Immediately After An Accident With An Uninsured Driver
Taking the right steps after a crash with an uninsured or underinsured driver can protect your ability to recover compensation.
- First, call the police and file a report. Document the scene with photos and gather any witness contact information.
- Seek medical attention, even if you think your injuries are minor, as some may appear later.
- Notify your insurance company promptly and tell them you may have a UM or UIM claim.
- Avoid giving a recorded statement until you understand your rights and coverage.
These actions can make it easier to use your policy benefits and prove your damages, especially in situations where the at-fault driver has no way to pay.
How Our Insurance Defense Experience Helps Your Claim
Our experience makes a difference in your case. We understand how insurance companies think because we used to work on that side. We keep things straightforward so you always know where you stand. Many working-class clients and musicians know us from our community ties and how we listen first and act second.
We regularly work with clients throughout Austin, including the northern and eastern sides of the city. We also take cases as far south as San Marcos and Buda, Texas.
Get Clear Answers From An Experienced Austin UIM Attorney
If a driver with no or too little insurance injured you, you do not have to navigate the process alone. Our attorneys can explain your uninsured or underinsured motorist coverage, review how stacking could maximize your recovery, and help you make informed decisions about your case. Call 512-338-0900 today or contact us online for your free consultation.