Tier 1 PI 1.01 – Household Extension of UIM Auto Coverage – gtg

Liability Insurance Claims
Is the Insurance Policy Applicable

Be Careful Submitting Your Medical Records
Insurance Policy Limits
Accidents With Out-Of-State Vehicles
Uninsured and Under-insured Motorist Claims
Uninsured Motorist Claims
UM/ UIM Claim Requirements
Household Extension of UM/ UIM
UM/ UIM Claim Even When You’re Not In Your Car








Household Extension of UIM Coverage

Personal Injury Lawyers » Household Extension of UIM Coverage

How Does the Household Extension for Underinsurance Coverage Apply to my Spouse’s or Child’s Automobile Accident Injuries?

Underinsured motorist coverage is coverage that is part of your insurance coverage to cover any costs that is beyond the policy limits of the defendant’s insurance. Underinsurance applies more than one would think. It was originally designed to cover your car and the passengers in it. It would be there in case there was an accident with damages greater than the amount of the coverage that is set out in the defendant’s insurance. It has since been expanded to even cover other areas. The household extension for underinsurance coverage is part of that expansion, it provides that the members of your household can claim underinsurance coverage that is part of your personal car insurance even if they are not riding in the car at when their injuries arose and their damages were not fully covered by the defendant’s insurance. Such as if your child rides in a car pool to school and is hurt, the underinsurance coverage will cover any remaining outstanding costs. Hiring an attorney in situations like these can be extremely beneficial in maximizing your recovery efforts.

While we have intentionally made getting payments from the underinsurance coverage of your personal insurance sound easy that could not be further from the truth. Insurance companies do not like to just hand over money because every dollar they give out is taken directly from their profits. In order to qualify to seek underinsurance you must settle for the policy limits of the defendant’s insurance. To be able to get access to your underinsurance coverage you will likely need the advice of an attorney that is experienced in such matters. Getting the insurance to pay such claims is very technical. Having legal representation is invaluable because it not only informs and provides you with all your avenues of recovery it also holds your insurance accountable, because if they do not pay when they are required to do so we are prepared to bring insurance code violations under the Texas Deceptive Trade Practices Act (DTPA) which is extremely complicated and extremely damaging to the insurance company.

Insurance companies are notorious for not paying out when they should or trying to pay you the bare minimum. By hiring an attorney to represent your interest you are not only letting the insurance company know that you are to be taken seriously, but also helping yourself by having someone on your side that is informed of relevant case law and how to apply it.

Do you have a legal issue or question? Call us now.

The attorneys of our firm have a proven track record in representing clients in matters such as these. They have successfully fought insurance companies for underinsurance claims, effectively arguing household extension claims ranging from college age children that were injured in friends vehicles while away at school, to children that are riding in a car pool. If you or a loved one has been involved in such a case then you need to be informed of your rights. Our firm has been practicing personal injury law for more than 20 years and deal with cases just like these on a day-to-day basis. Call now to schedule your free consultation.



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