This form for use in litigation against an insurance company for bad faith breach of contract. Adapt this model form to fit your needs and specific law. Not recommended for use by non-attorney.
Motorist Uninsured Accident For Property Damage In Houston
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State:
Multi-State
City:
Houston
Control #:
US-000279
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FAQ
If a driver hits your vehicle and flees, you can file a claim against your policy's uninsured motorist coverage. However, in some states, uninsured motorist coverage for property damage (UMPD) will not cover hit-and-run incidents.
Notify Your Insurance Company: Since the other driver doesn't have insurance, your uninsured motorist coverage (if you have it) could be your best route for recovering damages. Inform your insurance company about the accident, and they will guide you on filing a claim under this coverage.
Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.
Policy limits: Uninsured motorist coverage comes with limits, just like other insurance coverages. Severe accidents might exceed these limits, leaving you with uncovered expenses. Claim disputes: There might be disputes over the extent of your coverage and the amount you can claim, leading to potential legal battles.
Without uninsured motorist coverage, if you're injured or your vehicle is damaged in an accident with an uninsured or underinsured driver, you could end up paying for medical bills or vehicle repairs out of your own pocket.
Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance. There is no such thing as "full coverage" but people normally use that term to describe comprehensive and collision.
There are two types of UM/UIM coverage: Bodily Injury – This covers medical bills, lost wages, physical pain, disfigurement, and permanent or partial disability. Property Damage – This covers auto repairs, a rental car, and damage to items in your car, such as a car seat or GPS device.
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First, contact the police and have them document the incident. A police report will serve as crucial evidence in your UIM claim.Call the police and file a report. Document the accident scene with photos or videos. Most auto policies include collision coverage that will pay for car repairs if you're in an accident with an uninsured or underinsured driver. After an accident occurs, call 911 immediately. Have a peace officer complete a Police Accident Report (PARC) form. The Texas state law allows you to hold the motorist who caused your accident legally responsible for damage incurred. While car accidents with uninsured drivers can be complex, you can still seek compensation for your injuries. Under the law of the State of Texas, every motorist in the state must have a certain amount of car insurance coverage in order to operate their vehicle legally.