A Guide to Uninsured Motorist Accident Claims

A Guide to Uninsured Motorist Accident Claims

Have you been hit by an uninsured driver? Read this guide to understand your options.

Car accidents cause physical, emotional, and financial stress. When the person who caused the accident is an uninsured motorist, filing an insurance claim can be complicated and confusing.

Fortunately, the process of filing a claim against an uninsured motorist doesn’t have to be difficult. In this article, we’ll discuss what to do when you've been injured in an accident caused by an uninsured motorist. We’ll explore your rights as the victim, your options for seeking compensation and justice, as well as key tips on how to navigate the claims process with ease. Contact one of our Austin car accident lawyers for more clarification on how to handle your uninsured motorist car accident case.

The ultimate goal is to help you understand your legal rights and make sure that you get the compensation you deserve. So whether you’ve already filed a claim or are just starting to look into your legal options, this guide will provide a comprehensive look at what it takes to respond to an uninsured motorist accident.

I Was Hit By An Uninsured Driver, What Happens Next?

If you are in a car accident with an uninsured motorist, there are specific legal steps you can take to ensure your damages and losses are compensated. The most important thing is to make sure that you collect the information of all involved parties, including the other driver's name, address, phone number, and insurance information. 

You will also want to document the scene of the accident with any photos or videos that can help show how the crash occurred.

Once this is done, it is essential to contact an experienced car accident attorney as soon as possible. An attorney will be able to assess your case and advise you on the best course of action for getting your claim settled. 

Depending upon your insurance coverage, you may be able to recover compensation through uninsured motorist insurance coverage or through a personal injury lawsuit against the negligent driver. If successful, these routes can provide coverage for medical expenses and other damages incurred due to the accident.

What Does Uninsured Motorist Coverage Mean?

Uninsured motorist coverage is an important component of an automobile insurance policy. This coverage ensures that if you have been injured in an accident involving an uninsured driver, you may be able to receive compensation for your medical bills and other damages.

Uninsured motorist coverage works in one main way: 

  1. It protects you from drivers who are not insured when you are in an accident with them.

In some states, uninsured motorist coverage is mandatory and must be included in your automobile insurance policy. In other states, such as Texas, it is optional but highly recommended. Regardless, having uninsured motorist coverage can be a lifesaver if you are ever involved in a car accident with someone who does not have insurance.

What Is The Impact of Uninsured Drivers on Your Claim?

Uninsured motorist claims can be complex and difficult to navigate. When an uninsured driver gets into an accident with you, there are three primary impacts you should be aware of when it comes to making a claim to recover compensation for any damages or injuries incurred.

Impact On Liability

The most immediate impact is on liability in the case. If the uninsured driver is proven to be at fault, then the issue of liability is settled, as they may have no ability to compensate you for your losses or injuries. In cases when there may be a dispute in liability, such as when a traffic light is out and a car accident occurs, your own insurance company may be questioning the legitimacy of your claim.

Impact On Car Insurance Coverage

Another aspect is the impact on your own car insurance coverage and what it covers in terms of accidents involving uninsured drivers. Depending on your policy, it may not always cover all types of damages or injuries that may result from an accident with an uninsured motorist.

It is also important to consider the impact on your legal rights and what rights you have when it comes to recovering damages or compensation from an uninsured motorist. In some cases, you may be able to pursue a personal injury claim against the other driver even if they are not insured. The coverage you have may also be relevant for purposes of who pays for your damages, such as a rental car after a car accident.

What Is First Party Car Insurance?

If you have been involved in an accident with an uninsured motorist, you may be wondering what kind of protection you have. One option is to purchase a first-party car insurance policy, which can provide coverage if the at-fault party doesn't have the ability to pay for damages.

First-party car insurance is typically mandatory in most states and provides a minimum level of required coverage depending on the state's laws. In some states, it may even include uninsured motorist coverage. Uninsured motorist coverage helps protect you from financial loss if another driver is at fault and lacks insurance to cover your damages.

Many auto insurers offer first-party policies that can help protect you from financial loss associated with an accident caused by an uninsured motorist. If you have questions about this type of policy, contact one of our experienced Austin car accident lawyers for help understanding your policy. 

How Can I File An Uninsured Motorist Car Accident Claim?

Filing an uninsured motorist claim can be a complex process, but following certain steps can help to make it easier. When you are ready to begin the process of filing your claim, consider these tips:

  1. Collect Documentation - Begin by collecting all of the necessary documentation. This includes witness statements, photos of the accident scene, and medical records related to your injuries.
  2. Understand Your Insurance Policy - Read your policy carefully and become familiar with the coverage limits for uninsured motorist accidents and any other relevant provisions. Knowing what you’re covered for can help you prepare a more effective claim.
  3. File A Claim - Contact your insurance company as soon as possible to file a claim for your uninsured motorist accident. Make sure to provide all the documentation you have collected in step 1 in order to support your case. Always remember that you can submit photographs of your damages. If you have pictures of your seatbelt bruises from the car accident for example, consider sending that to the insurance carrier.
  4. Negotiate - It is likely that the insurance company will come back with an offer lower than what you requested; don’t be discouraged but instead use this as an opportunity to negotiate a more reasonable settlement amount that compensates for your damages and losses related to the accident.
  5. Seek Help - Consider speaking with a car accident attorney who specializes in uninsured motorist claims if you feel that negotiations haven’t been productive or if the offer is too low given the extent of your damage or injury agreements resulting from the incident.

How Do Auto Insurance Providers Help With Claims?

If you were injured in a car accident involving an uninsured motorist, filing a claim can be difficult. Many auto insurance providers offer coverage for these cases, so it's important to understand how they can help.

Liability Coverage

Auto insurance providers typically provide liability coverage for accidents involving uninsured motorists. This means if the uninsured motorist is found to be at fault for the accident, then the insurer will cover some or all of the damages caused. This includes medical bills and property damage, as well as any other costs associated with the accident.

Uninsured Motorist Protection

In addition to liability coverage, many auto insurance companies also offer uninsured motorist protection. Uninsured motorist protection provides coverage for your medical expenses following an accident with an uninsured driver. This type of coverage can also cover any lost wages due to the lack of transportation caused by the accident.

Deductibles and Limits

It is important to understand that auto insurance providers typically have deductibles and limits when it comes to paying claims for accidents with uninsured motorists. The deductible is the amount that you must pay out-of-pocket before your insurer will begin paying for your claim, while limits are the maximum amounts that your insurer is willing to pay out per claim or incident. Be sure to check your policy's specifics so you know what to expect in terms of coverage and payment options when filing an uninsured motorist accident claim. Also understand what happens in the decision to total your car after a car accident.

What Factors Affect the Settlement of Uninsured Driver Claims?

If you find yourself in an accident with an uninsured driver, there are several factors that can affect the settlement of your claim.

Insurance Company Negotiations

It's important to keep in mind that insurance companies typically approach uninsured driver claims with a fair amount of skepticism. They may require extensive evidence to prove that the other driver was indeed at fault and had no insurance coverage. 

So, it's essential to provide detailed documentation of the circumstances of the accident, such as police reports and sworn statements from witnesses. A strong case will help you receive a better settlement.

Liability Limits

Liability limits, which refer to the maximum amount that an insurer will pay on behalf of their insured client, can also be a determining factor in your uninsured driver claims settlement. If the damages exceed your policy limit, you may find yourself struggling to obtain any additional funds from the other party or their insurance company.

Other Factors

Other factors such as your own insurance deductible, as well as any applicable laws or statutes in your jurisdiction, can also influence how much you'll be able to recover for any losses or damages related to an accident with an uninsured driver. Make sure you understand these policies before entering into any negotiations with the other party or their insurance company.

What to Do if You’re Offered an Unfair Settlement?

If you're involved in an accident with an uninsured or underinsured motorist, one of the biggest challenges is often being offered an unfair settlement for your damages. Here are a few tips for what to do if you believe the settlement you're being offered isn't enough:

Consult an Attorney

In some cases, it's best to seek legal advice from an experienced attorney who is familiar with car accident claims and can help you determine if the settlement offer is fair. An attorney can also help guide you through the claims process and offer valuable advice on how to maximize your compensation.

Demand Documentation for Damages

If you have documentation regarding the cost of repairs or medical bills, make sure that this information is included in any settlement agreement. For instance, you may suffer from severe neck pain, and be wondering how long it will last for. It's critical to have evidence from your medical treatment that can be used as evidence to support these damages. This will ensure that all costs associated with your accident are properly accounted for and that any settlement offer takes these costs into consideration.


In some cases, it may be possible to negotiate a higher settlement amount by presenting evidence of medical bills or auto repair costs incurred as a result of the accident. It's important to negotiate in good faith and be willing to compromise in order to reach an agreement that is beneficial to both parties.

Call Fletcher Law For Help With Your Uninsured Motorist Car Accident Case.

If you or a loved one has been involved in an uninsured motorist car accident, you may feel overwhelmed and alone. But there is help available - call the experienced attorneys at Fletcher Law for a free consultation to learn more about your rights and potential compensation you may be entitled to.

At Fletcher Law, their team of lawyers are dedicated to helping clients through their uninsured motorist claims. With decades of combined experience, they understand the complexities of navigating insurance policies and liability laws.

From start to finish, Fletcher Law will stand by your side—providing dedicated legal counsel as well as exhaustive research on driving regulations and state laws. They will work tirelessly to ensure that your case is thoroughly documented and argued so that you receive maximum financial compensation.

At Fletcher Law, they are committed to getting the best outcome for their clients—no matter how complex a case may seem. Give them a call today for professional legal guidance with your uninsured motorist claim.