In Texas underinsured/uninsured insurance (“UIM”) is not required by Texas law. While all drivers in Texas are mandated by law to have minimum liability insurance on their vehicles, the minimum liability insurance required is only $30,000. This minimum amount would not cover sever injuries and disability from a car crash. Therefore, it is the wiser and safer choice to have UIM insurance added to your own policy.
Despite the minimum car insurance requirement laws, at least one in eight drivers in the United States is completely uninsured. That means if you are in a crash caused by an uninsured driver, you are stuck with all costs and bills if you do not have UIM insurance.
With nearly 32 million uninsured drivers on the road, there is a significant chance you drive by many uninsured drivers or underinsured drivers daily. Adding UIM coverage to a car insurance plan will slightly raise an insurance bill, but the investment is worth the payout for motorists who are seriously injured in a crash. People who have medical bills and other losses due to a crash caused 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.
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, Nichols, Agosto, Aziz & Stogner are thoroughly experienced in helping people who have been injured or killed in motor vehicle crashes, as well as pursing UIM claims. If you or someone you know has been injured or killed as a result of car accident, contact an attorney at Abraham Watkins today at 713-222-7211 or 1-800-870-9584 for your free consultation.