Uninsured & Underinsured Motorist Accidents

Uninsured & Underinsured Motorist Accident Attorney in North Texas & Dallas, TX

Being hit by a driver who carries no insurance — or not enough insurance — is one of the most frustrating situations an injury victim can face. You did nothing wrong, yet the person who caused the crash cannot pay for your medical bills, lost wages, or pain and suffering. At The Law Office of Matthew A. Ford, we help accident victims across North Texas, Dallas, Plano, McKinney, and North Texas recover full compensation through their own uninsured/underinsured motorist (UM/UIM) coverage.

Texas Has One of the Highest Uninsured Driver Rates in the Country

Despite Texas law requiring minimum liability coverage, an estimated one in seven drivers on Texas roads is uninsured. In a metro area as large as Dallas-Fort Worth, that means thousands of uninsured motorists share the road with you every day. Many more carry only the state minimum — $30,000 per person — which is rarely enough to cover serious injuries from a high-speed collision on the Dallas North Tollway, US-75, or Highway 380.

How UM/UIM Coverage Works in Texas

Texas law requires every auto insurance company to offer uninsured/underinsured motorist coverage when you purchase a policy. UM/UIM coverage is designed to pay you when the at-fault driver cannot. It covers medical bills and future treatment, lost wages and reduced earning capacity, pain and suffering, and other damages you would normally recover from the at-fault driver’s insurer. Your own insurance company steps into the shoes of the uninsured driver’s insurer — but make no mistake, they will still fight to minimize your claim. That is why you need an attorney who understands how insurance companies operate from the inside.

Why Insurance Companies Fight UM/UIM Claims

When you file a UM/UIM claim, you are asking your own insurance company to pay. They have every financial incentive to undervalue or deny your claim. Common tactics include arguing your injuries are pre-existing, disputing the severity of your treatment, claiming you were partially at fault, and delaying payment until you accept a lowball offer. Attorney Matthew Ford spent years as an insurance defense lawyer before switching sides. He knows exactly how insurance adjusters build files to deny claims — and he uses that insider knowledge to dismantle their defenses and recover maximum compensation for his clients.

Types of Uninsured Motorist Accidents We Handle

Our North Texas law office handles all types of uninsured and underinsured motorist claims, including rear-end collisions where the at-fault driver has no insurance, hit-and-run accidents where the driver flees the scene, accidents caused by drivers with only minimum coverage who cannot pay for your serious injuries, multi-vehicle pileups on I-35 or US-75 where one or more drivers are uninsured, and accidents involving out-of-state drivers who do not meet Texas coverage requirements.

What If the At-Fault Driver Fled the Scene?

Hit-and-run accidents are particularly common in the DFW metroplex. If the at-fault driver cannot be identified, your uninsured motorist coverage may be your only source of recovery. Texas law allows you to file a UM claim for hit-and-run accidents, but you must be able to demonstrate that the accident was caused by an unidentified vehicle. Police reports, dash cam footage, and witness statements are critical evidence. Contact our office immediately after a hit-and-run so we can help preserve this evidence.

Stacking UM/UIM Coverage in Texas

If you have multiple vehicles on your policy, Texas law may allow you to “stack” your UM/UIM coverage — meaning you can combine the coverage limits from each vehicle to increase the total amount available. For example, if you carry $100,000 in UM coverage per vehicle and have three vehicles on your policy, you may have up to $300,000 in available coverage. Not every policy allows stacking, and insurance companies rarely volunteer this information. Our attorney will review your complete policy to identify every dollar of coverage available to you.

Compensation Available in UM/UIM Claims

Through a UM/UIM claim, you may recover compensation for emergency room and hospital bills, surgery and rehabilitation costs, future medical treatment, lost wages and loss of earning capacity, pain and suffering, mental anguish, and disfigurement or physical impairment. The amount of recovery depends on the severity of your injuries and the limits of your UM/UIM policy. Attorney Ford will evaluate your case and fight for every dollar you are owed.

Contact Our North Texas UM/UIM Accident Attorney Today

If you were injured by an uninsured or underinsured driver in North Texas, Dallas, Plano, McKinney, or anywhere in North Texas, call (214) 227-9972 for a free consultation. There is no fee unless we recover compensation for you.