No-Nonsense Help After An Accident
Injured by an Uninsured Driver in Bastrop County?
We Help You Pursue Compensation Through Your Own Auto Insurance Coverage
Being hit by a driver who doesn’t carry insurance is frustrating, frightening, and unfair — especially when you’re left with medical bills, lost wages, and serious injuries. Unfortunately, uninsured and underinsured drivers are far too common in Bastrop, Elgin, Smithville, and throughout Bastrop County.
If you were injured in a crash caused by someone without adequate insurance, you may still be able to recover compensation by filing a claim under your own auto policy’s Uninsured/Underinsured Motorist (UM/UIM) coverage. At the Law Office of Carl Knickerbocker, we represent injury victims across Bastrop County and help them access the insurance benefits they already pay for — even when the other driver fails to follow the law.
What Is Uninsured / Underinsured Motorist Coverage?
Uninsured Motorist (UM) coverage applies when the at-fault driver has no liability insurance.
Underinsured Motorist (UIM) coverage applies when the at-fault driver has some insurance — but not enough to cover the full cost of your injuries and losses.
Texas insurance companies must offer this coverage with every policy unless the driver explicitly rejects it in writing. If you didn’t sign a waiver, there’s a good chance your policy includes this valuable protection.
When Can You Use UM/UIM Coverage?
Drivers across Highway 71, Highway 95, FM 20, and rural roads in Bastrop County face the very real risk of being hit by someone who doesn’t carry the proper coverage. You may be eligible to file a UM/UIM claim if:
The at-fault driver has no insurance
Their coverage limits are too low to pay for your medical bills and other losses
You were involved in a hit-and-run accident, and the other driver was never located
You were hit as a pedestrian or bicyclist
You were a passenger in a car hit by an uninsured driver
Even though the claim is made through your own insurance provider, your carrier is now in an adversarial position — and may try to reduce your payout or deny your claim. That’s why legal representation is critical.
What Does UM/UIM Insurance Cover?
If your UM/UIM claim is approved, you may recover compensation for:
Emergency care and hospitalization
Ongoing medical treatment or surgery
Physical therapy and rehabilitation
Lost wages and reduced earning ability
Pain and suffering
Emotional trauma
Vehicle repair or total loss (if property damage coverage applies)
Your recovery is limited by the policy limits of your UM/UIM coverage. Most Texas drivers carry the minimum coverage of $30,000 per person / $60,000 per accident, though you may have selected a higher amount.
The Challenges of Filing a UM/UIM Claim
It’s easy to assume your insurance company will take care of you — after all, you’ve been paying your premiums on time. But once a UM/UIM claim is filed, your insurer’s goal often shifts to limiting how much they pay out.
They might:
Question whether the other driver was really uninsured
Downplay your injuries or argue they’re unrelated
Offer a settlement far below what your case is worth
Delay the process with endless requests for paperwork
Use your own statements against you to reduce your claim
Don’t go into this process alone. At the Law Office of Carl Knickerbocker, we handle the insurance companies for you — and we’re not afraid to push back if they try to take advantage of you.
Why Bastrop County Injury Victims Choose Carl Knickerbocker
We have helped injury victims throughout Bastrop County, including residents of Bastrop, Cedar Creek, Smithville, and Elgin, navigate complex uninsured motorist claims and secure the compensation they need to recover. Our firm offers:
Careful review of your auto policy and coverage limits
A full investigation into the crash and at-fault driver’s insurance status
Collection of all medical records, police reports, and crash evidence
Aggressive negotiation with your insurance provider
Legal action, including arbitration or litigation, if needed
You pay no legal fees unless we win compensation for you. We’re here to protect your rights and fight for what you deserve.
Don’t Let an Uninsured Driver Leave You Empty-Handed
If you were injured in a crash with an uninsured or underinsured driver in Bastrop County, don’t assume you’re out of options. You may still have a valid path to recovery through your own policy — and we’re here to help you use it.
Contact the Law Office of Carl Knickerbocker today to schedule your free case consultation. We’ll explain your options, review your policy, and get to work building your case.
Serving injury victims across Bastrop County with integrity, strategy, and results.