If you have purchased Underinsured Motorist (UIM) benefits on your Texas auto or truck insurance, you may be asked by your own company to submit to a detailed examination when you apply for payment. I recommend that you have an experienced personal injury lawyer sitting by your side if this happens.
This afternoon I represented a wonderful young client in one of these statements. Mr. J___ was a passenger in a small automobile that spun out of control on the iced over I-35 in
Sherman last December who suffered a fracture to his L5 vertebrae, a laceration to his right leg, and an enormous emotional loss when the driver -- his best friend for many years -- was killed in the collision. My client is still physically handicapped, lost his night job, lost ime from his day job, and can no longer compete as a nationally ranked triathlete.
I have already forced the insurance company to pay the poor driver's limits of $50,000.00 and obtained my client's Personal Injury Protection benefits of $5,000.00. I have now demanded that the UIM company pay Mr. J___ his entire benefits of $30,000.00.
Naturally my client had never been interrogated before and had no idea what to expect. I walked him through the process, anticipated questions the adjuster might ask, and reviewed key documents with him ahead of time.
We must have been successful because the company had only offered to pay an additional $2,500.00 before today's statement and called afterwards to raise its offer to $10,000.00, and I believe that I will be able to convince it to pay the full policy limits of $30,000.00. But I will file suit pursuant to the Texas Insurance Code if that amount is not paid.
If you have been injured in an auto or truck collision case and need help taking on an insurance company, please contact my office. I'll get you the money you deserve.