Texas Personal Injury Blog

24 Aug. 2016

Uninsured and Underinsured Motorist Coverage: Why It's Important

Posted By Uvalle Law Firm, PLLC

After a car accident, people involved often experience concerns regarding medical costs, insurance coverage, and other accident-related expenses. Fortunately, Texas law requires that drivers carry insurance in case they are involved in a vehicle collision.

Despite this requirement, the roads remain plagued by uninsured and underinsured drivers. When these individuals cause accidents, they put victims at the risk of paying expensive out-of-pocket costs since there isn’t insurance, or adequate insurance, to cover accident-related expenses. For this reason, it is important that Texas drivers secure uninsured and underinsured (UM/UIM) motorist coverage.

Understanding Uninsured and Underinsured Motorist Coverage

While Texas laws require drivers to carry a minimum amount of coverage, many drivers fail to abide by these guidelines, placing others at serious financial risk following car accidents. Uninsured and underinsured motorist coverage is designed to protect a victim after they have been involved in an accident caused by a driver that does not have enough or any liability coverage. It is also designed to protect victims of hit-and-run accidents.

It is important to keep in mind that although this type of coverage is optional, drivers should take advantage of the opportunity to purchase it. Uninsured and underinsured motorist coverage can protect a driver, family members, passengers in the vehicle, and others driving your car with permission. It can cover bodily injury damages, including medical expenses, lost wages, pain, and suffering. In addition, it can cover property damages including vehicle repairs, car rental cost, and more.

A driver can purchase this type of coverage in a minimum amount or in a larger amount up to the dollar limit of their liability policy. It is advised that drivers purchase the maximum amount of uninsured and underinsured motorist coverage, if possible, to protect themselves from reckless, negligent, or careless drivers who may be uninsured or underinsured.

Injured in a Vehicle Collision? Call Uvalle Law Firm, PLLC Today

If you or someone you love has suffered injuries in a vehicle collision, we urge you to call our Dallas car accident lawyers at Uvalle Law Firm, PLLC today. When you contact our team, we can listen to the details of your case and determine which legal strategies can help you obtain positive results in the shortest amount of time possible. At our firm, we understand that these types of cases can affect an entire family, and that is why we work diligently to fight for your rights and future.

To speak with a Dallas car accident attorney, call the legal team at Uvalle Law Firm, PLLC right away! We have helped countless clients throughout the Dallas area.

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