Have you been injured in an auto accident? You may be facing substantial medical expenses, emotional trauma, and a long recovery period or lifelong disability and pain. It is extremely important that you find a skilled auto accident attorney to fight for your right to fair and just compensation.
At the HK Loung Law Firm, our expertise extends to all kinds of automobile accidents and other types of motor vehicle accidents, such as:
Our attorneys understand the nuances of liability law that apply to different types of accidents. You can trust us to work hard to make sure liability is assigned correctly in your case, so that the reckless or negligent individual who caused your accident is held responsible for their actions.
Underinsured motorist coverage operates a little differently than uninsured motorist coverage. Under this insurance, which is purchased at the same time and INCLUDED with your uninsured motorist coverage, simply means that if the at-fault driver has insurance but it is not enough to cover all of your damages for pain and suffering, emotional distress, lost of wages, and medical bills, you can recover the difference between your damages and the at-fault driver’s lower insurance. Underinsurance coverage works in the following way: If you get into an accident and you have uninsured/ underinsurance coverage, lets say for $50,000.00, but the at-fault driver only has $15,000.00 of coverage, the underinsurance coverage allows you to recover the difference between your underinsurance coverage ($50,000.00) and the $15,000.00 that the at-fault driver has. Therefore, under these circumstances, your net additional benefit that you would be entitled to is $35,000.00.
Uninsured/underinsured coverage is probably that most important insurance you can purchase, and is relatively inexpensive.
Texas is known to be one of the highest states for drivers that are uninsured and don’t carry liability insurance. When an accident occurs and the at-fault driver is uninsured, you may not be able to get compensation for any damages, which includes pain, suffering, or damage to your vehicle. However, there is insurance coverage called uninsured motorist protection. If you buy this particular coverage from your insurance company, this means you can either recover damages for your physical injuries or the property damage from your own insurance company.
The amount of compensation available in your case will depend on the nature of the injuries and property damage you have suffered. As your auto accident attorney, we will make sure all your damages are thoroughly documented and then fight aggressively for you to receive full and fair compensation. Areas of compensation include:
Whenever possible, we strive to resolve auto accident injury claims in negotiations with the insurance companies, as this puts cash in our clients’ hands quickly, right when they need it. However, we are also exceptional litigators with jury trial experience and we will fight for your best interests in court if needed.
Sometimes, auto accident victims are tempted to try to secure compensation directly from the insurance companies, without the assistance of an attorney. This can be a huge mistake that could cost you thousands of dollars in compensation!
Remember, the insurance companies are not on your side. One wrong word or misstep in your interactions with them, and your claim could be significantly reduced or even completely denied.
Why risk it when the HK Loung Law Firm is here to help? We know exactly how to handle the insurance companies and position you to receive maximum compensation for your injuries.
Wondering if you have a strong case for compensation following an auto accident? The HK Loung Law Firm is here to take your call or online case submission through the night and on the weekends. We can set up a free, no-obligation consultation to go over the facts of your case and help you understand you rights and options under the law.
Take the first step towards full and fair compensation for your injuries now by calling (214) 683-8990.