No-Nonsense Help After An Accident
Injured by an Uninsured Driver in Burnet County?
We Help You Pursue Compensation Through Your Own Insurance Policy
If you’ve been hit by a driver in Burnet, Marble Falls, or anywhere in Burnet County — and they don’t have insurance — you’re not alone. Texas ranks among the top states for uninsured drivers on the road. While auto insurance is required by law, too many people drive without it, putting responsible drivers at serious financial risk when accidents happen.
If you’ve been injured by an uninsured or underinsured driver, there’s good news: You may still have a path to compensation through your own policy’s Uninsured/Underinsured Motorist (UM/UIM) coverage. At the Law Office of Carl Knickerbocker, we represent injury victims in Burnet County and help them file UM claims when the at-fault driver has no coverage — or not enough.
What Is Uninsured/Underinsured Motorist Coverage?
Uninsured Motorist (UM) coverage kicks in when the at-fault driver has no liability insurance at all.
Underinsured Motorist (UIM) coverage helps when the other driver’s insurance limits are too low to cover your total damages.
Texas auto insurance policies are required to include UM/UIM coverage unless you specifically rejected it in writing. If you didn’t sign a waiver, your policy likely includes these benefits — even if you’ve never had to use them before.
Common Situations Where UM/UIM Coverage Applies
UM/UIM coverage can be critical in many common scenarios, such as:
The at-fault driver has no insurance
The driver carries only minimum coverage, which doesn’t come close to covering your medical bills
You were involved in a hit-and-run accident, and the driver was never identified
You were hit as a pedestrian or cyclist by an uninsured driver
You were a passenger in someone else’s car, and the at-fault driver is uninsured
Whether you were on Highway 281, Highway 29, FM 2341, or a quiet road outside of Bertram or Granite Shoals, we can help you pursue the compensation you’re entitled to under your policy.
What Damages Can You Recover?
Your UM/UIM claim can cover many of the same losses you would pursue in a traditional personal injury claim, including:
Emergency room and hospital bills
Follow-up care, surgery, physical therapy
Lost wages and loss of future earning ability
Pain and suffering
Emotional distress and trauma
Disability or disfigurement
Property damage (if your UM policy includes this)
The actual amount available depends on the coverage limits in your policy. In Texas, most people carry UM/UIM limits of $30,000 per person and $60,000 per accident, though higher limits are available.
Challenges of Filing a UM/UIM Claim
Many people think their own insurance company will be helpful and cooperative when filing a UM claim. Unfortunately, this isn’t always the case. Once you file a claim under your own policy, your insurance company may treat you like an opposing party — looking for ways to delay, deny, or reduce the payout.
Common issues include:
Denying that the other driver was at fault
Arguing your injuries aren’t that serious
Offering far less than your case is worth
Delaying communication or investigation
Misinterpreting the language of your policy
That’s why it’s important to have an experienced injury attorney on your side — even when dealing with your own insurance carrier. We’ll review your policy, gather the necessary evidence, handle all communication, and fight for the full compensation you’re entitled to.
How We Help Burnet County Residents with UM/UIM Claims
At the Law Office of Carl Knickerbocker, we have helped many clients throughout Burnet County — from Burnet to Marble Falls, Spicewood, Kingsland, and beyond — recover compensation through their UM/UIM policies. We can:
Review your current auto policy and coverage limits
Investigate the crash to confirm the other driver’s uninsured status
Collect medical records, police reports, and expert opinions
Handle all claim filings, forms, and negotiations with your insurer
Fight denied or undervalued claims
Represent you in arbitration or litigation if necessary
We work on a contingency fee basis, meaning you pay nothing unless we win your case.
Don’t Assume You’re Out of Options — Call Today
If the driver who hit you was uninsured or underinsured, you may feel overwhelmed and worried about how you’ll pay for everything. Don’t panic — and don’t assume you’re out of options.
You may still be entitled to significant compensation through your own insurance, and we’re here to help you get it.
Contact the Law Office of Carl Knickerbocker today to schedule your free case consultation. We’ll walk you through your rights, explain your options, and begin building a strong case for the recovery you deserve.
Serving clients across Burnet County with integrity, experience, and results.