UM/UIM Coverage Safeguards You Financially From Uninsured Motorists
Remarkably, nearly one fourth of Texas drivers lack auto insurance. In fact, drivers of 4.1 million vehicles break the state law requiring it. Clearly, much needs to be done to solve this problem, but there is one thing you can do to safeguard your family against deadbeat drivers: You can purchase uninsured motorist coverage as part of your auto insurance.
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.
However, one basic and simple solution exists. That is to buy uninsured/underinsured motorist (UM/UIM) coverage, which can cost as little as 30 per cent of what you pay for liability insurance, yet provide inordinate protection. If a deadbeat driver with no insurance harms you, your own UM/UIM coverage can lend vital protection.
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.
Texas motorcycle riders in particular should get UM/UIM coverage. The state has an exceptionally high rate of motorcycle accident deaths and injuries, and because motorcyclists are vulnerable, their accident expenses can be gigantic. Further, most motorcycle accidents are the fault of automobile drivers who fail to yield, and since many don’t have insurance, motorcyclists often may need UM/UIM coverage.
Relying solely upon your health insurance after an accident is not enough, because such insurance doesn’t provide financial compensation for lost present and future wages, or for your pain and suffering. But UM/UIM coverage can provide such protections.
Much more must be done to remove uninsured drivers from our roads or compel them to get insurance. Houston-area cities Richmond and Pasadena have made a bold move by impounding uninsured drivers’ vehicles until they’re insured. Elsewhere, uninsured motorists continue to drive even after getting multiple citations. But you can make your own counter-move by getting UM/UIM coverage. It could help protect your family – and it might also help your peace of mind.
Longtime Texas personal injury law firm Jim S. Adler & Associates, of Houston, Dallas, San Antonio and Channelview, strongly recommends Texas drivers protect their families with uninsured motorist coverage. Even then, an Adler car accident lawyer may be needed to ensure you’re financial compensated for your car accident losses.