ASSERTIVE Spring Uninsured Accident Lawyers

Spring Underinsured Accident Attorney

Getting into a Texas car accident can be an overwhelming and stressful experience. Your injuries may impact all aspects of your life, leaving you with medical bills and potentially out of work. Because Texas is a fault state, you can seek compensation for these losses from the at-fault party. However, if the driver is underinsured or not insured at all, this process can be much more complicated. 

Fortunately, our Mott & Moffett lawyers are prepared to handle all aspects of your claim, so you don’t have to fight for your rights alone. We use our ample experience and vast legal knowledge to negotiate with insurance companies and fiercely advocate for the compensation you deserve regardless of the liable party’s insurance policies or lack thereof. Our compassionate lawyers give you the best chance of achieving a fair settlement by developing personalized solutions, providing consistent communication, and guiding you every step of the way.

What Are Texas's Minimum Car Insurance Requirements?

Because Texas is an at-fault state and liable parties are responsible for compensating injuries and damages, drivers must carry the state’s minimum insurance coverage. This coverage involves three categories, each with different limits, including the following:

  • $30,000 for injuries per person
  • $60,000 per accident
  • $25,000 for property damage per accident

While Texas law requires all drivers to carry this coverage, many drivers do not fulfill this responsibility, leaving victims with no compensation for their injuries. In other cases, these minimum amounts do not cover all the damages the victim faces. Regardless of the circumstances, our dedicated lawyers fight tirelessly to secure a just settlement.

Can You Collect Damages After a Spring Car Accident If the At-Fault Driver is Uninsured or Underinsured?

If you suffered injuries in a car accident due to an underinsured or uninsured driver’s negligence, you may still collect damages for your losses. The first way to do this is by adding underinsured and uninsured motorist coverage to your insurance policy. Alternatively, our driven attorneys can help you sue the at-fault driver for the damages their insurance does not cover. Based on the severity of your injuries and other details of your claim, you may recover the following damages:

  • Pain and suffering
  • Current and future medical bills
  • Property damage
  • Lost wages from missed work
  • Loss of earning capacity
  • Rehabilitation and physical therapy
  • Prescribed medications
  • Emotional distress
  • Disability or disfigurement 
  • Reduced quality of life
  • Punitive damages

When receiving damages, it’s important to note that Texas uses a modified comparative negligence system. This means each party involved in the accident receives a percentage of fault, which gets deducted from their respective damages. For instance, if you are 20% at fault, your compensation gets reduced by 20%. Parties over 51% at fault cannot collect any damages. 

While this system benefits those partially at fault for an accident, insurance companies often use it to undermine your claim and lowball you. Our knowledgeable lawyers understand these tactics and how to negotiate with adjusters to ensure they treat you fairly. 

4 Reasons to Contact a Lawyer After an Underinsured/Uninsured Car Accident in Texas

After a Spring car accident, you may attempt to handle your claim on your own. However, when an uninsured or underinsured driver is at fault, the process can be much more complicated. Additionally, you risk making a mistake or misspeaking to the insurance adjuster without a lawyer, which could be used against you. Hiring a trusted lawyer significantly improves your chance of achieving a successful outcome. At Mott & Moffett, we can help with your claim in the following ways:


Our lawyers, Mike Mott and Jedediah D. Moffett, have decades of experience working on the most complex personal injury claims, including uninsured and underinsured accidents. This experience has given us the skill, knowledge, and resources to take on any challenge and answer all your questions throughout the process. We also understand how to effectively negotiate with insurance adjusters and fight for your rights after years of dealing with them.


We understand the legal process can be intimidating, so we provide open and honest communication from start to finish. This way, you never feel alone and have a better understanding of your legal options and the decisions you have to make to achieve the compensation you deserve.

Statute of Limitations

According to Tex. Civ. Prac. & Rem. Code section 16.003, you only have two years from the date of your accident to file your claim. While this may seem like plenty of time, your recovery and other delays may make it challenging to meet this deadline without a lawyer’s help. We work efficiently to ensure you do not miss your opportunity to protect your rights and receive compensation.

Stress-Free Experience

Our lawyers can make the claim process easier for you by managing every element of your claim, including the following.

  • Thoroughly investigating the accident
  • Gathering and reviewing evidence
  • Calculating your claim’s worth
  • Interviewing witnesses
  • Speaking on your behalf
  • Taking your case to court if necessary

These unmatched services allow you to focus on recovery and have the peace of mind that your claim is in capable hands.

Involved in an Accident With an Underinsured/Uninsured Driver in Spring, Texas? Seek Help from a Reliable Lawyer at Mott & Moffett

When driving on Spring, Texas roads, you rely on those around you to care for your safety. This includes having the state’s minimum required insurance coverage to pay for damages in case of an accident. However, some drivers do not have any insurance, and in other cases, the bare minimum is not enough to cover your injuries. In these cases, hiring a skilled lawyer is one of the best ways to achieve full compensation for your losses.

At Mott & Moffett, we understand how to negotiate with insurance companies and pursue legal action if the at-fault party does not have adequate insurance coverage. This may involve going to court, but we have the litigation skills to aggressively fight for justice and build a strong claim. To receive guidance from one of our dedicated lawyers, call (888) 596-6582 or fill out our contact form.