Fighting for Justice After Uninsured and Underinsured Accidents
Uninsured and underinsured accidents create unique challenges for injured victims because the at-fault driver either has no insurance or lacks enough coverage to pay for the damages they caused. At Krystal Garza & Associates, our uninsured and underinsured accident attorneys understand the financial stress, legal confusion, and emotional burden these crashes bring. Whether the driver fled the scene, carried inadequate coverage, or had no insurance at all, we act quickly to protect your rights, investigate the crash, and build a strong case designed to secure every dollar of compensation available under Texas law.
Understanding Uninsured and Underinsured Accidents
Uninsured and underinsured accidents occur when an at-fault driver cannot cover the cost of medical bills, lost wages, property damage, and other losses. These situations often require pursuing compensation through your own uninsured/underinsured motorist (UM/UIM) policy, which can become complex. Our uninsured and underinsured accident attorneys analyze your insurance coverage, identify all potential sources of compensation, and ensure your insurer honors its obligations under the policy.
Common Causes of Uninsured and Underinsured Accidents
Uninsured and underinsured accidents happen for many of the same reasons as other collisions, including speeding, distracted driving, reckless driving, drunk driving, failure to yield, and running red lights or stop signs. However, the added challenge is that the at-fault driver lacks the financial resources or insurance coverage to pay for the damages. Our team reviews accident reports, witness statements, insurance records, surveillance footage, and vehicle data to determine how the crash occurred and how to secure the compensation you need.
Determining Liability in Uninsured and Underinsured Accident Cases
Liability involves determining who caused the crash and what coverage is available. While the uninsured or underinsured driver is typically responsible, compensation may also come from your own insurance company, third parties, or other negligent drivers involved. Our uninsured and underinsured accident attorneys carefully review fault, policy limits, exclusions, and coverage rules to identify every avenue for recovery.
How We Investigate Fault
Our investigation is detailed and comprehensive. We examine police reports, crash scene evidence, insurance records, and vehicle data. We consult with accident reconstruction specialists when necessary and work with medical experts to understand the full extent of your injuries. This detailed approach allows our uninsured and underinsured accident attorneys to build a strong, evidence-supported claim against all responsible parties.
Common Injuries and Compensation
Uninsured and underinsured accidents can result in injuries such as whiplash, fractures, spinal injuries, traumatic brain injuries, internal injuries, and long-term disabilities. Compensation may include medical bills, lost income, reduced earning capacity, property damage, rehabilitation, and non-economic damages such as pain, suffering, and emotional distress. When dealing with UM/UIM claims, insurance companies often attempt to minimize payouts, but our uninsured and underinsured accident attorneys fight aggressively to ensure you receive the full value of your claim.
Why Choose Krystal Garza & Associates
At Krystal Garza & Associates, we know how frustrating and overwhelming uninsured and underinsured accidents can be. Our uninsured and underinsured accident attorneys provide compassionate support, clear communication, and strong legal representation from start to finish. We understand insurance company tactics and know how to challenge low offers, delays, and bad-faith practices to protect your rights and secure the compensation you deserve.
Contact Our Uninsured and Underinsured Accident Attorneys
If you or a loved one has been injured in an uninsured or underinsured accident, you do not have to navigate the process alone. Our uninsured and underinsured accident attorneys will review your case, explain your options, and create a personalized strategy to support your recovery and long-term well-being.
