No-Nonsense Help After An Accident
Hit by an Underinsured Driver in Bastrop?
We Help You Recover Full Compensation Through Your Own Insurance
In Texas, many drivers carry only the minimum required liability insurance, which is often not enough to cover the costs of a serious accident. If you’ve been injured in a crash in Bastrop County and the at-fault driver doesn’t have enough insurance to pay for your damages, you may still have options. With Underinsured Motorist (UIM) coverage on your own policy, you can pursue additional compensation to cover what the at-fault driver’s insurance won’t.
At the Law Office of Carl Knickerbocker, we represent car and truck accident victims across Bastrop, Smithville, Cedar Creek, Elgin, and the surrounding areas. We understand how to evaluate policies, work through the fine print, and fight back when insurance companies try to limit what they owe — even your own.
What Is Underinsured Motorist (UIM) Coverage?
Underinsured Motorist (UIM) coverage is optional insurance that protects you when:
The driver who caused the accident has insurance, but…
Their policy limits aren’t enough to pay for all of your losses
In Texas, minimum liability coverage is $30,000 per person and $60,000 per accident. In many serious wrecks, medical bills alone can exceed those limits — leaving you responsible for the rest unless you have UIM coverage.
Accidents in Bastrop Where UIM Claims Often Apply
Throughout Bastrop County, drivers face dangerous conditions every day — especially on highways like:
Highway 71
State Highway 95
FM 969
Loop 150
Rural and farm-to-market roads around Red Rock, Rosanky, and Paige
In these areas, speeding, distracted driving, and unsafe passing are common causes of serious crashes. If the driver who hit you carries only minimum coverage, their policy may barely scratch the surface of your actual needs — especially if your injuries are long-term or require surgery, rehab, or lost time from work.
What Does UIM Insurance Cover?
If you have UIM coverage and your claim is accepted, it can help pay for:
Emergency medical treatment and ambulance fees
Hospitalization, surgery, and ongoing care
Physical therapy and rehabilitation
Lost wages and future earning capacity
Pain and suffering
Emotional distress and trauma
Certain property damage, depending on your coverage
It’s important to note: your UIM coverage has its own policy limits. Your recovery is capped by what you selected when you purchased your policy — and insurance companies will often fight to avoid paying the full amount.
Why You Need a Lawyer for a UIM Claim
Although UIM claims go through your own insurance company, these claims are not handled like routine coverage requests. Once your insurer steps into the role of paying damages, they become an opposing party — and may do everything they can to minimize your compensation.
Common tactics include:
Delaying or denying legitimate claims
Arguing that your injuries aren’t related to the crash
Claiming that you’ve already been “made whole” by the at-fault driver’s insurance
Disputing the value of your pain and suffering
Offering lowball settlements far below your policy limits
At the Law Office of Carl Knickerbocker, we help you avoid these traps and hold your insurer accountable.
How We Handle Underinsured Motorist Claims
We support Bastrop County clients by:
Reviewing your auto policy and explaining your UIM rights
Gathering complete medical documentation and billing
Demonstrating the full extent of your damages
Negotiating directly with the insurance company on your behalf
Filing a lawsuit if the insurer refuses to pay fairly
Many clients don’t even realize they have UIM coverage until we help them dig into their policy. If the at-fault driver’s insurance doesn’t come close to covering your losses, it’s time to bring in our team for a detailed strategy review.
Serving Bastrop County Injury Victims
Whether you were hit in downtown Bastrop, rural parts of Smithville or Red Rock, or along a major highway, our firm is here to help. We bring years of experience in Texas injury law, and we’ve successfully handled countless claims involving underinsured drivers.
We don’t charge anything upfront — and you don’t pay legal fees unless we win your case.
Schedule a Free Consultation Today
Don’t let a low insurance policy leave you struggling to pay your bills. If you were hurt in a crash with an underinsured driver in Bastrop County, call the Law Office of Carl Knickerbocker today. We’ll evaluate your coverage, build your claim, and fight to make sure you receive the full compensation you deserve.
Serving clients throughout Bastrop County — including Bastrop, Elgin, Cedar Creek, Smithville, and beyond.