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.
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.
But a solution is basic and simple. Uninsured/underinsured motorist (UM/UIM) coverage may cost as little as 30 per cent of what you pay for liability insurance, yet can offer a tremendous degree of protection. After a costly car accident, if the negligent driver who harmed you has little or no insurance, your UM/UIM coverage can provide the protection you need.
For traffic collisions, state-mandated liability coverage in Texas is $25,000 per person and $50,000 per accident. If your damages are more than this, your UM/UIM coverage can protect you. The cost of such coverage is a small price to pay when you consider the enormous savings it can provide you if you are injured by an uninsured driver.
Persons who ride motorcycles in Texas especially should consider getting UM/UIM coverage. Texas has a higher rate than most states of motorcycle accident injuries and deaths, and since motorcyclists are more vulnerable, their post-accident costs can be enormous. Also keep in mind that most motorcycle crashes are caused by negligent drivers of cars that fail to yield, and since many such drivers don’t carry insurance, a motorcyclist must have added UM/UIM protection.
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.
Enforcing state law requires far more to be done to get uninsured drivers off our roads. The Houston-area cities of Richmond and Pasadena, TX have one solution: impound uninsured drivers’ cars until they get insurance. After all, they’re being driven illegally. But you can provide your own counter-action: Buy UM/UIM coverage to protect your family – and possibly 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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