El Paso Underinsured and Uninsured Drivers Accident Lawyer

Car Collision Attorney Helping Those Injured by Uninsured and Underinsured Motorists in El Paso, TX

Did you know New Mexico recently ranked as one of the worst states for uninsured drivers in the U.S.? Although the majority of Texas drivers have at least some auto insurance, many carry minimal or no coverage. Any driver, whether they have sufficient insurance or not, can cause an accident.

You may worry about the availability of compensation if an underinsured or uninsured driver causes a car accident that injures you. Although compensation can be harder to obtain in these situations, you still have options. Our personal injury attorney at Cal Mundell Law Firm, PLLC has experience handling these cases, and our law firm can help you file a claim to recover compensation.

Defining Uninsured and Underinsured

Almost every state requires licensed drivers to purchase car insurance policies and sets minimum coverage amounts. Texas and New Mexico liability coverage minimums are as follows:

• Texas, 30/60/25: $30,000 bodily injury per person, $60,000 bodily injury per accident, $25,000 property damage per accident
• New Mexico, 25/50/10: $25,000 bodily injury per person, $50,000 bodily injury per accident, $10,000 property damage per accident

Despite these laws, not everyone complies with their requirements. Minimum policy limits often do not provide enough coverage in a crash. Drivers can purchase policies with higher limits to better protect themselves against liability in a collision that is their fault.

Uninsured motorists have either no auto insurance or less than their state's minimums. If you are the victim of a hit-and-run crash, and the driver is unidentified, that driver is considered uninsured. Underinsured drivers have auto insurance policies, but their coverage limits are not high enough to cover all damages in a collision.

Car Accident Claims

When another driver's negligence injures you, the first step toward obtaining compensation is typically filing a claim with that party's insurance company. If the policyholder's coverage limits are enough to satisfy your damages, you or your car accident lawyer can negotiate an acceptable settlement offer. These damages may include compensation for:

• Current and future medical expenses
• Current and future lost wages
• Property damage
• Ongoing care
• Pain and suffering
• Anxiety, depression, and PTSD

Every accident is different, and your damages are calculated on a case-specific basis. Our auto accident lawyer will assess your damages and advocate for your best interests to help you obtain the compensation you deserve.

The situation becomes more complicated if the at-fault driver is uninsured or underinsured. Insurance companies must offer UM/UIM coverage to drivers purchasing their policies, but you can reject this coverage. If you have this kind of coverage, you can file a claim with your own insurer to pay a portion or all of your damages. You still have options for recovering compensation through a civil lawsuit even if you do not have UM/UIM coverage on your policy, but the complexity of your claim will most likely increase.

Our UM/UIM Lawyer Can Help

It is rarely easy to receive a reasonable settlement after a car crash. When an uninsured or underinsured driver is involved, there are additional challenges. If you do not know how to navigate through these challenges, you may settle for less than your case is worth.

At Cal Mundell Law Firm, PLLC, we know the applicable laws and how they apply to your case. We know how to get insurance companies to cooperate, because our firm's founder, Cal Mundell, used to represent them. We use his inside knowledge to give you an advantage when pursuing compensation.

UM/UIM cases may require multiple insurance claims or filing a civil lawsuit. We will guide you through every step in our fight to gain a favorable outcome and win the compensation you deserve.

Our El Paso UM/UIM Car Accident Lawyer Offers Free Consultations

You deserve to have effective legal representation without worsening your financial strain after a car crash. At Cal Mundell Law Firm, PLLC, we provide free consultations, and we do not charge fees unless we win compensation for you. Contact us at 915-250-0700 for more details about how we can help with your uninsured or underinsured driver case. We are available 24/7.