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Underinsured Motorist Claims Houston is bustling streets can be both exciting and unpredictable. Unfortunately, accidents happen, and only some carry adequate insurance coverage. In such cases, understanding underinsured motorist claims becomes crucial. 

This blog will help you with the essentials of underinsured motorist claims, empowering you to protect your rights in Houston.

Understanding Underinsured Motorist Claims Houston Coverage:

Underinsured motorist (UIM) coverage provides financial protection when you're in an accident with a driver who lacks insurance to cover the damages. In Texas, insurance companies must offer UIM coverage, but it's optional for drivers to purchase. Given Houston's high traffic and potential risks, having this coverage is highly advisable.

underinsured motorist claims houston

Key Steps Following an Accident with an Underinsured Motorist:

  1. Get Immediate Medical Attention: Your well-being is of utmost importance. Get medical attention to your injuries, even if they seem minor. Documenting your injuries is essential for your health and any potential legal claims.
  2. Report the Accident: Contact law enforcement and your insurance company about the accident immediately. Get a copy of the report, which can serve as crucial evidence for your claim.
  3. Gather Evidence: Document the scene by taking photos of the damages, injuries, and any relevant road conditions. Collect the details and info of all witnesses, if possible. This evidence will support your case during the claims process.
  4. Contact an Attorney: Consulting with a seasoned personal injury attorney in Houston is essential if you're dealing with an underinsured motorist situation. They will help you in navigating the legal complexities and protecting your rights.
  1. Notify Your Insurance Firm: Promptly inform your insurance company about the accident. Provide all necessary documentation, including medical records, photos, and the police report.
  2. Evaluate Damages: Work with your insurance company and legal counsel to assess the full extent of the damages suffered, including medical bills, damage to the property, lost wages, and pain and suffering.
  3. Negotiate with the Underinsured Driver's Insurance: Your personal injury attorney will handle negotiations with the underinsured driver's insurance. This process secures a fair settlement that adequately covers your losses.
  4. File a Lawsuit: If your negotiations are unsuccessful, your attorney may advise filing a lawsuit against the underinsured driver to pursue the compensation you deserve.

Navigating underinsured motorist claims in Houston requires a deep understanding of Texas laws. Calhoun Meredith, an experienced personal injury attorney in Houston, can provide invaluable legal advice.


Houston's roads can be unpredictable, and accidents with underinsured motorists are unfortunately common. Protecting your due rights and understanding the claims process is essential for securing fair compensation. 

If you find yourself in such a situation, getting help from a personal injury attorney in Houston, such as Calhoun Meredith, can make all the difference. Don't let an underinsured motorist leave you without the compensation you deserve. Act now, protect your rights, and confidently drive on Houston's roads.

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