Although every driver is required to be covered by auto liability insurance — insurance that covers for another driver’s expenses if you cause an automobile accident — some drivers either have no coverage, coverage that has lapsed, or coverage that will not sufficiently cover damages in the event that they cause an accident. According to the Insurance Information Institute, about one in eight drivers were uninsured in the United States in 2012.

If an uninsured or underinsured driver crashes into your vehicle and you are injured, you may be stuck with thousands of dollars in out-of-pocket expenses.

In these cases, it is vital to have uninsured or underinsured motorist coverage, sometimes referred to as UM/UIM coverage. In some states, it is required to have UM/UIM auto coverage. In other states, like Texas, by law you are afforded the opportunity to purchase UM/UIM coverage with your auto insurance policy. It is crucial to purchase this optional coverage to protect you, your passengers, and your finances.

A successful personal injury attorney will utilize their legal expertise, resources, and knowledgeable support staff to develop your case in a way that accurately demonstrates liability as well as any economic and non-economic damages you have incurred. The ultimate goal is to take care of the client’s claim so that the client can focus on their health and physical recovery.

Thomas J. Henry Law has the legal and financial resources necessary to properly build and handle your case in the most effective and efficient way possible. Your attorney will make sure you are treated with respect, are kept informed with the most up-to-date information on your case, and that you are comfortable throughout the entire legal process as we work to secure the compensation you deserve. We will also work with medical providers to ensure you receive proper medical treatment for all of your injuries.

Experienced attorneys also have access to expert witnesses with specialized knowledge on a subject related to the case. Thomas J. Henry has spent years finding the best expert witnesses across the United States. Our firm retains the most qualified experts for each individual case, from accident reconstruction experts to medical professionals. Every expert undergoes a rigorous and in-depth examination process before ever being involved in a client’s case.

While every accident and injury is unique, it is typically best to consult with an attorney prior to making any decisions that could impact your claim. Speaking with an experienced attorney can help you understand what options available to you as well as what steps you should take to secure fair financial compensation. This is the reason Thomas J. Henry Law provides FREE case consultations to all accident victims.

It is important to remember that the primary job of an insurance adjuster is to limit liability and save their company money. When an insurance adjuster calls you with questions concerning your accident, they are in fact looking for information that limits the liability of their client and information that can be used to downplay the extent of your injuries.

Adjusters may also ask for a recorded statement concerning your accident and injuries under the guise that they are simply gathering the information necessary to move your claim forward. The truth is that this recorded statement can actually be used to erode your case and path to financial recovery.

By speaking with an attorney before the insurers, you are protecting your rights and your best interests. If you choose to hire your attorney following your consultation, your attorney will begin working on your case that same day.