In Texas (and most other states), all drivers are required to have minimim liability insurance on their vehicles. Because underinsured/uninsured insurance is not mandated by Texas law, many Texas drivers opt out of paying for that extra insurance coverage. It is the wiser and safer choice to have underinsured/uninsured insurance because at least one in eight drivers in the United States is uninsured. That means if you are in a crash caused by one of those uninsured drivers, you are stuck with all resulting costs and bills if you do not have underinsured/uninsured insurance.
With 32 million uninsured drivers, there is a significant chance you drive by many uninsured drivers every day when dropping off your kids at school, going to work, or even making a quick trip to the grocery store. Those who can afford uninsured/underinsured car insurance should give serious thought to adding it to their car insurance plan. People who have medical bills and other losses due to a crash casued by someone without car insurance have the financial safety net of their own insurance to cover those costs. It is the best way to avoid being stuck with all of the costs related to the crash if the other driver is not only irresponsible by how they drive, but by also failing to get car insurance at all.
It is important to remember that using your own insurance does not mean you will never need an attorney. Insurance companies all operate with the same motive to pay as little as possible for claims, so it is always important to consult with an experienced attorney as soon as possible after being involved in a crash.
The lawyers of Abraham Watkins are thoroughly experienced in helping people who have been injured or killed in motor vehicle crashes, as well as pursing underinsured/uninsured motorists claims. If you or someone you know has been injured or killed as a result of car accident, contact an attorney at Abraham, Watkins, Nichols, Agosto, Aziz & Stogner today 713-396-3964 or toll free at 1-800-594-4884 to see if you or your family have a claim.