No-Nonsense Help After An Accident
Injured by an Underinsured Driver in Burnet County?
We Help You Access Your Own Insurance to Cover What the Other Driver Can’t
If you’ve been injured in a car or truck accident in Burnet County, and the at-fault driver doesn’t have enough insurance to pay for your medical bills, lost wages, and other damages, you may still have a path to recovery. With underinsured motorist (UIM) coverage on your own auto policy, you can make a claim for the additional compensation you need.
At the Law Office of Carl Knickerbocker, we help people in Burnet, Marble Falls, Bertram, and surrounding areas recover compensation after accidents involving underinsured drivers. Even though UIM claims go through your own insurance, they are far from simple—and insurance companies don’t always play fair. That’s where we come in.
What Is Underinsured Motorist Coverage?
Texas requires drivers to carry liability insurance, but many only carry the state minimum of $30,000 per person and $60,000 per accident. In a serious crash, this may not even cover the cost of an ambulance ride and an ER visit—let alone long-term care, lost wages, or pain and suffering.
Underinsured Motorist (UIM) coverage is optional coverage you purchase on your own policy. It kicks in when:
The driver who caused the accident has insurance, but
Their policy limits are too low to cover your total damages
If you selected this coverage when purchasing or renewing your auto policy, it could be your lifeline after a major crash.
Where UIM Claims Often Arise in Burnet County
Underinsured motorist cases often stem from accidents on some of the most heavily traveled and dangerous roads in the area, including:
Highway 281
State Highway 29
FM 2341 near Inks Lake
FM 1431 in and around Marble Falls
Rural roads throughout Burnet, Bertram, Buchanan Dam, and Kingsland
Whether you were hit while commuting, traveling through town, or navigating winding Hill Country roads, a UIM claim might be necessary to get the full financial relief you deserve—especially if the other driver carried only minimal insurance coverage.
What Can You Recover in a UIM Claim?
If you’re eligible to file a UIM claim, you may be able to recover compensation for:
Emergency care and ambulance services
Hospital bills and surgical procedures
Physical therapy and rehabilitation
Ongoing or future medical treatment
Lost wages and reduced earning capacity
Pain and suffering
Mental anguish and emotional distress
Property damage (in some cases)
It’s important to note: your recovery is limited by the coverage amount you purchased. And even though it’s your own insurance company, they may try to undervalue your claim.
Why UIM Claims Are Often Contested
Insurance companies don’t like to pay large claims—especially their own. Once your carrier becomes responsible for damages, they essentially act like the opposing party. They may try to:
Deny or delay your claim
Minimize your injuries
Claim your medical treatment was unnecessary
Assert that you’ve already been “made whole” by the at-fault driver’s coverage
Offer a low settlement far below your actual policy limits
You deserve better. We step in to make sure your rights are protected and your claim is taken seriously.
Our Approach to Underinsured Motorist Cases
At the Law Office of Carl Knickerbocker, we’ve represented countless accident victims across Central Texas in underinsured and uninsured motorist claims. For clients in Burnet County, we provide:
A thorough review of your policy and rights
Complete documentation of your injuries and losses
Skilled negotiation with insurance adjusters
Aggressive litigation if necessary to pursue full value
Clear communication and strategy throughout your case
Many accident victims don’t even realize they have UIM coverage until we walk through their policy with them. It’s one of the most overlooked protections in Texas insurance—and one of the most powerful tools available after a serious crash.
Local Experience Matters
While we’re not located in Burnet, we proudly represent clients across Burnet County and the surrounding Hill Country region. Whether your accident happened on 281 near Burnet, on SH-29 through Liberty Hill, or in the backroads near Buchanan Dam, we can help you pursue the compensation you’re owed.
Free Case Review — No Fee Unless We Win
You shouldn’t have to fight your own insurance company on top of dealing with your injuries. If you’ve been hit by a driver without enough insurance, and you have UIM coverage, contact the Law Office of Carl Knickerbocker today.
We offer free case consultations, and we don’t charge a fee unless we win your case.
Helping accident victims in Burnet, Marble Falls, Bertram, Buchanan Dam, and throughout Burnet County.