Have you ever been hit by a negligent driver, only to learn that the driver does not have auto insurance?
Unfortunately, this fact may not be immediately clear at the scene of the crash. Often, uninsured drivers will provide invalid or false information pertaining to their coverage, so the injured driver may not know the at-fault driver was uninsured until it’s too late.
The reality is, 1 out of 8 drivers in the State of Texas does not have the right insurance coverage or does not have vehicle insurance at all. If you are hit by a driver who has no, or inadequate insurance coverage, you may be left paying for your vehicle repair and medical expenses yourself.
Uninsured motorist insurance coverage will help protect you from this financial liability.
How Does Uninsured Motorist Insurance Coverage Protect Texas Drivers?
Texas law does not require drivers to purchase uninsured motorist coverage (UIM) as part of their policies. However, all vehicle insurance companies are required to offer it to Texas policyholders. If you choose not to purchase UIM, you must turn it down in writing.
The purpose of uninsured motorist insurance coverage is to compensate you when you are injured due to the negligence of another driver who has the minimum coverage or is illegally operating their vehicle with no insurance at all.
If either of these circumstances pertains to your collision, our car accident lawyers will review your insurance policy, so you are not left paying for car repair and medical expenses out-of-pocket.
Uninsured motorist insurance costs around $50-$75 annually for bodily injury and property damage coverage and is a small price to pay to protect yourself from negligent drivers who are not carrying any coverage.