Representing the Rights of Injured Individuals Law Offices of Ronald A. Ramos
Law Offices of Ronald A. Ramos

Uninsured Motorist Coverage

What is it Uninsured Motorist Coverage?

statistics Insurance companies offer a type of coverage known as uninsured motorist coverage. The specific purpose of this insurance is to protect individuals and their family members from other drivers who don’t have insurance. The way uninsured motorist insurance works is if someone who has this type of policy is injured in an accident that was caused by a driver without insurance, the policy will take care of the vehicle damage and medical bills the other driver cannot pay.

Why Have It?

The Texas Department of Insurance estimates that there are millions of uninsured or underinsured drivers throughout the state. With that many uninsured drivers on the road, a common question people have is what will happen to them if they’re involved in a car accident with someone who doesn’t have insurance.

The answer to that question depends on the situation. In most cases, the likelihood of getting any money to cover medical expenses or other damages from an uninsured driver is very low. Many times, people who are hurt in this kind of car accident have to turn to their own insurance company.

Filing an Uninsured Motorist Claim

As with most issues related to auto insurance companies, simply having an uninsured motorist insurance policy in isn’t enough to ensure a smooth claim process. One of the reasons people may contact a vehicle accident attorney is they encounter problems when they attempt to file a claim with their own insurance company. For example, an insurer may state that a claim is invalid due to the driver who caused the accident being underage or unnamed. Another common exception to this type of policy is when a driver gets run off the road but their vehicle isn’t actually hit by the uninsured driver.

Since these types of denials are more common than most people realize, it’s a good idea to speak with a lawyer before speaking with an adjuster. By meeting with a lawyer, you can avoid giving a recorded statement to your insurance company that could ultimately be used against you to deny your claim.

A Lawyer Can Help

One of the most important things drivers need to remember is that their insurance company is not in the business of paying claims. Instead, its interests are involve collecting premiums and minimizing payouts. That’s why these companies are often quite aggressive in working to avoid covering the medical expenses and other damages of someone who’s hurt in an accident caused by an uninsured motorist.

While most people would agree that denying a seemingly valid claim of an accident victim with uninsured motorist insurance is unfair, a car accident attorney in San Antonio can help level the playing field. At the Law Offices of Ronald A. Ramos, we understand the type of stress this situation can create during an already challenging time. If you want to ensure that you have someone who’s actually on your side, call our office at (210) 308-8811 for a free consultation.

Law Offices of Ronald A. Ramos, P.C.

1844 Lockhill Selma Rd #102
San Antonio, TX 78213
Phone: (210) 308-8811

Client Reviews
I was in a minor car accident when I first moved to San Antonio. I wasn’t sure if I needed a lawyer but I eventually contacted theLaw Offices of Ronald A. Ramos, P.C. and I’m glad I did. I highly recommend this firm! A.W. - Online Review
Mr. Ramos (Law Offices of Ronald A. Ramos, P.C.) and his staff were GREAT!! I went to their office after a major car accident, and I was not getting anywhere with the insurance company, He and his staff helped me [get] way more than what I was offered by the insurance company its self. N.G. - Online Review
The people at the Law Offices of Ronald A. Ramos, P.C. couldn’t have been any more helpful. Their friendly service team has so much knowledge to offer when it comes to seeking legal advice in a variety of different subjects. They come highly recommended if anyone is looking for any sort of help! M.C. - Online Review
Mr. Ramos has secured a spot as one of the best trial attorneys in San Antonio. His extensive knowledge of the law, ability to connect with jurors, and his admirable reputation among both judges and attorneys make him an absolute asset to the legal community. If you have the opportunity to retain him as legal counsel, consider it a huge privilege. Daniel J. Palmer - Lawyer in San Antonio, TX
Mr. Ramos and his staff are very diligent and effective in litigating personal injury claims and other torts. His representation of clients have resulted in successful outcomes. I myself will refer any cases that will require litigation and a greater expertise. Jesus Vargas - San Antonio, TX Attorney