UM, UIM & Bad Faith Insurance Attorneys in Dallas
All Texas citizens have a legal right to uninsured and underinsured motorist coverage, also known as UM or UIM insurance. This insurance is important coverage for anyone injured in a traffic accident with an uninsured driver. While having these plans can certainly help make sure that you always receive the damages you need to leave a comfortable life, your insurance provider must act in good faith and give you the compensation you deserve.
Sadly, many insurance companies violate good faith when the time comes to collect the amount agreed upon in your policy. Meaning that they may low ball you or deny your claim all together. If your insurance company is not fully and fairly dealing with your claim, you have the right to file a bad faith claim with the help of a highly experienced Dallas personal injury attorney. Contact The Lenahan Law Firm today at (214) 295-1008 to schedule your case evaluation.
"My 87 year old Mother was involved as a passenger in an automobile accident in which the other driver was at fault. He had a low liability insurance limit which would not even cover the hospital bill much less the rehab facility and home care for months...Marc did everything he said he would do in a timely manner... I would definitely recommend Marc to a friend or relative if the need ever arises."
- Former client
If the other driver involved in the accident is underinsured or uninsured, the accident requires "first party" compensation. First party compensation involves protection from your insurance company and requires that your insurance company pay the amount of your claim.
Underinsured driver claims are paid up to the policy limit of the underinsured driver and the insurance company pays the balance of the coverage that you have agreed upon in your policy. For example, if the underinsured driver could only cover $10,000 in damages, and your policy for underinsured drivers with your insurance company covers damages up to $60,000, the insurance company is required to pay the remaining amount of damages after the first $10,000 is collected from the other driver's insurance.
In contrast, an uninsured driver is exactly what they sound like. They are a motorist who is operating a vehicle with no insurance, which is a violation of Texas state laws. Unfortunately, this fact may encourage them to pull a hit-and-run to avoid any penalties.
That is why having an uninsured motorist policy can be so important. There is no way to hold someone accountable for a hit-and-run unless they are caught, meaning you cannot collect compensation from their insurance policy. With an uninsured motorist policy, you can still recover some compensation from your own insurance provider.
Bad faith insurance means that your insurance provider is not offering you the proper compensation agreed upon in your policy. Insurance companies often assume that a policyholder will not fight back if they are lowballed and will instead accept whatever offer they are given. Sadly, this is true for many victims who feel they do not have the time or money to go up against a large company.
That, however, is usually a false assumption. Many insurance providers know that they are legally required to provide proper compensation and pay out as the policy stipulates. Most will buckle the moment they know a skilled attorney is involved with the case. If your insurance company is acting in bad faith, and you have been severely injured, you both deserve and need compensation in order to pay for your treatment, take stress-free time off of work during your recovery, and be able to live a comfortable life while you heal.
But insurance providers are unlikely to pay out unless you have a strong legal team by your side.
As severe personal injury attorneys, we see the harm that insurance companies that act in bad faith can do. After a serious injury, compensation is not an option, it is a right. If insurance companies are not keeping their promises to their policy-holders, they should be held accountable with the help of a Dallas personal injury lawyer.
If you have been seriously injured and need an experienced legal team to help you, whether it be due to bad faith insurance or an underinsured or uninsured motorist, contact The Lenahan Law Firm by calling (214) 295-1008. Our firm has assisted many clients with bad faith claims involving underinsured and uninsured drivers. We have gone to bat for every single one, fighting for their right to compensation.
Contact us today to schedule your case evaluation!