Underinsured Motorist Claim Denied in Texas? Here's How to Fight Back

Introduction

Being involved in a car accident is stressful enough, but discovering that your underinsured motorist (UIM) claim has been denied can add to the frustration. In Texas, UIM coverage is designed to protect you when the at-fault driver's insurance isn't sufficient to cover your damages. However, claim denials are not uncommon. This guide will help you understand why your claim may have been denied and what steps you can take to appeal the decision.

Understanding Underinsured Motorist Coverage in Texas

Underinsured motorist coverage is an optional add-on to your auto insurance policy in Texas. It provides compensation for medical expenses, lost wages, and other damages when the at-fault driver's insurance limits are too low to cover your losses. While not mandatory, having UIM coverage offers an extra layer of financial protection.

Common Reasons for UIM Claim Denials in Texas

Insurance companies may deny UIM claims for various reasons, including:

• Policy Lapses: If your policy was not active at the time of the accident due to non-payment or cancellation.

• Late Reporting: Failing to notify your insurer promptly after the accident can lead to denial.

• Lack of Consent to Settle: Settling with the at-fault driver without your insurer's written consent may violate policy terms.

• Insufficient Documentation: Not providing adequate evidence to support your claim.

• Disputes Over Coverage: Disagreements about whether the policy covers the specific circumstances of the accident.

Steps to Take After a UIM Claim Denial in Texas

• Review the Denial Letter: Understand the specific reasons your claim was denied.

• Gather Supporting Evidence: Collect all relevant documents, including the police report, medical records, and repair estimates.

• Contact Your Insurance Company: Discuss the denial and provide any additional information that may support your claim.

• File a Formal Appeal: Submit a written appeal with all supporting documents. In Texas, you typically have 180 days from the denial notice to file an appeal.

• Seek External Help: If the appeal is unsuccessful, consider contacting the Texas Department of Insurance or consulting with a legal professional.

How Louis Law Group Can Help

Louis Law Group specializes in assisting clients with denied insurance claims in Texas. Our experienced attorneys can:

• Review Your Policy and Denial Letter: Identify any discrepancies or unjust reasons for denial.

• Gather and Organize Supporting Evidence: Ensure all necessary documentation is in order.

• Communicate with the Insurance Company: Advocate on your behalf to negotiate a fair settlement.

• Provide Legal Representation: If necessary, represent you in legal proceedings to ensure your rights are protected.

Our goal is to help you receive the compensation you're entitled to under your policy.

Preventing Future Claim Denials in Texas

To minimize the risk of future claim denials:

• Understand Your Policy: Familiarize yourself with your coverage, exclusions, and obligations.

• Report Accidents Promptly: Notify your insurer immediately after an accident.

• Obtain Written Consent Before Settling: Always get your insurer's written consent before settling with the at-fault driver.

• Maintain Accurate Records: Keep detailed records of all communications and documents related to your claim.

FAQs

Q: Why was my underinsured motorist claim denied?

A: Common reasons include policy lapses, late reporting, lack of consent to settle, insufficient documentation, and disputes over coverage.

Q: Can I appeal a denied UIM claim?

A: Yes, you can file a formal appeal with your insurance company, providing additional supporting evidence.

Q: How long do I have to appeal a denied claim in Texas?

A: Typically, you have up to 180 days from the denial notice to file an appeal, but check your policy for specific deadlines.

Q: What if my appeal is unsuccessful?

A: Consider seeking legal assistance to explore further options, including litigation.

Q: How can Louis Law Group help me?

A: We can evaluate your case, communicate with your insurer on your behalf, and provide legal representation if necessary.

Conclusion

Facing a denied underinsured motorist claim in Texas can be daunting, but understanding your rights and the steps to appeal can make a significant difference. Louis Law Group is here to support you through this process, ensuring your rights are upheld.

Are you ready to take the next step in addressing your claim denial?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.