The importance of uninsured/uninsured driver coverage

While Texas has a law requiring motorists to carry insurance, many drivers do not, or if they do, carry the minimum policy required by law leaving you unprotected.

What happens if your vehicle is damaged or a driver injured without insurance? You are responsible for the cost of repairing your vehicle and for your own medical bills.

To protect yourself, make sure you have the following insurance coverages:

Damage to property of uninsured/uninsured drivers

This coverage ensures that your vehicle is repaired under insurance, which limits your personal liability and gets you back on the road as quickly as possible.

Injury to an uninsured/uninsured motorist (UM/UIM)

This coverage is important. Medical expenses can accumulate quickly and often exceed the amount of coverage, if any, that the other driver might have. It’s best to get as much coverage as possible. Uninsured/Uninsured Bodily Injury is intended to cover your medical expenses, lost wages, pain and suffering in the event of a crash.

Personal injury protection (PIP)

This coverage is great to provide you in addition to bodily injury coverage for an uninsured/uninsured motorist. It works similarly to uninsured bodily injury coverage/uninsured motorist but is usually paid to you by your insurance company while you are still being treated.

Were you injured in a Dallas, Texas car accident?

If you have been in a car accident, you need to speak to a car accident attorney as soon as possible. Contact us online or call our Dallas office directly at 214.559.7202 To schedule your free consultation.

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