College Station Uninsured Motorist Accident Attorney
If you have ever been involved in an accident, been injured or had your car damaged, then you know that getting your damages paid by the insurance company is dependent on the limits of liability in your insurance policy – particularly if you were at fault. Of course, if the accident was caused by the other driver, then that driver’s insurance policy paid for any injuries you sustained plus property damage up to the limits of liability declared in their insurance policy.
If the other driver doesn’t have enough insurance to cover your injuries or damages, which happens frequently, then your expenses – over and above their policy limits – can be covered by your insurance if you carry Uninsured / Uninsured Motorist (UM/UIM) coverage. The UM/UIM portion of your policy will pay your expenses from an accident if it was caused by an uninsured motorist (someone who did not have any insurance on their vehicle). It will cover an accident where the motorist had insufficient insurance to cover the damage that they caused. It will also cover damage and injuries caused by a hit-and-run driver. Your damages can then be covered by your UM/UIM insurance up to the limits declared in your policy.
In the state of Texas, UM/UIM coverage carries a mandatory $250 deductible that you must pay regardless of who is at fault in the accident. Higher deductibles are available, but the minimum $250 deductible is required state law. Accordingly, all insurance companies in Texas must offer their drivers UM/UIM coverage on their vehicle policies, but it is possible to decline to carry the UM/UIM coverage as long as it is done in writing.
Awards & Recognition
AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2016-2020)
AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2017-2020)
AWARDED TO JOHN C. (JACK) ZINDA (2016-2020), JOE CAPUTO (2016 – 2020) & BURGESS WILLIAMS (2016-2017) BY THE NATIONAL TRIAL LAWYERS ASSOCIATION
AWARDED TO JOHN C. (JACK) ZINDA (2009, 2011-2012, 2014-2021), JOE CAPUTO (2019-2021), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2020-2021), & CHRISTINA HAGEN (2021) BY SUPER LAWYERS (A THOMPSON REUTERS COMPANY)
MEMBERS JOHN C. (JACK) ZINDA (2017-2020), JOE CAPUTO (2019-2020), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2019-2020), COLE GUMM (2019-2020), CHRISTINA HAGEN (2020) & BRENDAN MCQUAID (2020)
LIFETIME MEMBERS JOHN C. (JACK) ZINDA & JOE CAPUTO
AWARDED TO ZINDA LAW GROUP (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS
AWARDED TO JOHN C. (JACK) ZINDA IN 2015, 2016, 2017, AND 2020
AWARDED TO JOE CAPUTO (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS
AWARDED TO ZINDA LAW GROUP IN 2018 BY INC.
Awarded to John C (Jack) Zinda (2021) by the American Association for Justice
I did not know what to do. I had never been hurt in a wreck before and this was a major accident that was not my fault. I reached out to Zinda Law Group and they were fantastic, answered all my questions, got me help immediately, and took care of everything!!
There comes a time when you need someone in your corner that you can trust. Our time came when we knew we needed the advice and counsel of an attorney. The day we walked into Zinda Law Group we knew we were covered.
There is a reason why this law firm has a 5 star rating. My experience with personal injury attorney Joe Caputo and all of the staff at Zinda Law Group has been excellent... I would definitely recommend Zinda Law Group.
Maria Ciara-Former Client
This is a really great firm! They settled my personal injury case in a year. Throughout the whole process, they were keeping in touch with me and helping me get the best treatment possible. They honestly know what they are doing. It was a pleasure working with these guys.
Everyone was so professional and was very interested in helping me with my issues. They were very upfront and honest about what I could expect.
I contacted Zinda Law Group after getting nowhere on my own with a personal injury case. I am so thankful I did. They took it off my plate and handled everything from appointments, to phone calls, and emails.
What is Covered Under UM/UIM?
UM/UIM coverage is intended to cover medical bills, lost wages, physical disfigurement, permanent or partial disability, and pain and suffering. UM/UIM coverage will also pay for property damage that resulted from the accident, repairs for your car, rental car expenses, and damage to any items that were in the car. In addition, when UM/UIM is included in your policy, anyone riding in your car is covered by your insurance: this includes you, your family members, any passengers in your car, and people that drive your car as long as they do so with your permission.
Two-Year Statute of Limitations
If you were the victim of an auto accident, you may be entitled to receive money and other non-economic benefits, but it is important to file within the two year statute of limitations. What a two-year statute means is you have only two years from the date of the accident to file a claim to receive compensation for your injuries or damages. Any claims filed after the two years statutory period has run will be barred and you will not be able to collect unless there were special circumstances (you will need to speak with an attorney about these).
Zinda Law Group
If you have been involved in an accident, the attorneys at Zinda Law Group can help you file your claim and get the compensation that you deserve. We are committed to our clients and we treat every case with the utmost care and concern. Our attorneys are knowledgeable about insurance in general and UM/UIM claims in particular, and we will to do everything we can to get your claim paid.