What is Uninsured Motorists Coverage? Uninsured motorists “UM” coverage protects you if you are injured by a driver with no insurance. You may assume that other drivers will follow the law and will buy auto insurance just like you do. However, this is not always the case. An estimated 1 in 8 drivers on Texas roads are uninsured. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists Some drivers never buy auto insurance and take their chances on being ticketed. Some drivers have coverage but miss their monthly payment so the coverage lapses. In other cases, the owner of the car may have coverage, but may allow an excluded driver (usually a family member with a bad driving record) to drive the car, so there is no coverage. What you may not realize is that even if a driver does have auto insurance, if the driver does not “cooperate” with his insurance company, the insurance company can deny coverage. If you are injured by a driver with no insurance coverage and you do not have UM coverage, you may have no way to collect from the at- fault driver. Typically, drivers with assets to protect have auto insurance. It’s usually those drivers with nothing to lose who do not carry auto insurance. To protect yourself and your family from uninsured drivers, it’s important to carry uninsured motorists coverage, with limits high enough to protect you should the worst happen.https://www.insurancejournal.com/news/national/2018/03/15/483414.htm What is Underinsured Motorists Coverage? Underinsured Motorists Coverage “UIM” coverage protects you in the event the at-fault driver does […]
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Why You Need Uninsured and Underinsured Motorists Coverage
Do I Need Uninsured Motorist Coverage in Texas?
Getting hit by an uninsured driver can be traumatic and impose a huge financial burden on you and your family. Uninsured Motorist Coverage can help protect you. Wham and Rogers, PLLC – Texas Injury Attorneys (832) 592-1108. In this video Mark Wham, car accident attorney in the The Woodlands and Spring, Tx, talks about why you may want to consider purchasing uninsured motorist coverage in Texas. Uninsured Texas Drivers Nearly 1/3 of the drivers on Texas roadways do not have valid auto insurance. Many drivers purchase an insurance policy, just so they can get a certificate of insurance, and then stop making the payments. This causes their coverage to lapse. If you get hit by a driver with invalid coverage, then you will wish you had uninsured motorist coverage. Hit & Run Drivers – Flee the Scene When a hit & run driver flees the scene of a collision, it may be impossible to identify who the at fault driver is. Suddenly you find yourself in a situation where there is zero insurance money to be collected for your injuries because (a) you can’t identify the other driver, and (b) you don’t have uninsured motorist coverage. Uninsured Motorist Coverage is Recommended in Texas You can see from the scenarios above exactly why the personal injury attorneys at Wham & Rogers, PLLCrecommend that you purchase uninsured motorist coverage. Uninsured motorist insurance coverage protects you when an uninsured driver injures you or your family. Many people don’t realize that uninsured coverage also applies to a bicycle rider or pedestrian […]