RSSUninsured Motorist Insurance Coverage Protects You After A Costly Car Accident
Mar 17
Texas Car Accident, Car Accident Lawyer, Car Accident Lawyers, car accidents, Channelview, Dallas, houston, lawyer, motorcycle accident attorney, personal injury, San Antonio, Texas, uninsured drivers No Comments
Did you know that almost a fourth of all Texas drivers don’t have auto insurance? That means drivers of 4.1 million vehicles are in violation of state law. Obviously, not enough is being done to reverse the problem, but there is something you can do to protect your family from it: You can buy uninsured motorist coverage for your auto insurance policy.
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Otherwise, when an uninsured or underinsured driver harms you or a family member, you may face substantial difficulty obtaining monetary compensation for your medical costs and other setbacks. It won’t matter that you weren’t to blame or that you have auto insurance for your vehicle. After an uninsured motorist causes a car crash because of negligent or reckless driving, innocent victims can get stuck with the bill.
However, one basic and simple solution exists. That is to buy uninsured/underinsured motorist (UM/UIM) coverage, which can cost as little as 30 per cent of what you pay for liability insurance, yet provide inordinate protection. If a deadbeat driver with no insurance harms you, your own UM/UIM coverage can lend vital protection.
Texas’ required liability coverage for a car wreck is $25,000 per person and $50,000 per collision. In the event that damages go beyond that, your UM/UIM coverage can intervene. Its price seems small to pay in view of the massive savings it can lend those hurt by drivers lacking proper insurance.
Texas motorcycle riders in particular should get UM/UIM coverage. The state has an exceptionally high rate of motorcycle accident deaths and injuries, and because motorcyclists are vulnerable, their accident expenses can be gigantic. Further, most motorcycle accidents are the fault of automobile drivers who fail to yield, and since many don’t have insurance, motorcyclists often may need UM/UIM coverage.
Nor can you rely only on your health insurance after an accident, since health insurance doesn’t cover lost present and future wages or pain and suffering. By contrast, UM/UIM coverage can lend these protections.
Much can be done to remove uninsured drivers from the road, or force them to buy insurance. Houston suburbs Richmond and Pasadena, TX impound drivers’ cars when found to be uninsured. But you can do something, too: Get UM/UIM coverage and safeguard your family. You just might also ensure your peace of mind.
Personal injury law firm Jim S. Adler & Associates, of Houston, Dallas, San Antonio and Channelview, TX, strongly advises that Texas drivers protect themselves via uninsured motorist coverage. Also, an Adler car accident attorney can help make sure proper financial compensation comes from a car accident insurance claim.
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