Dealing With Uninsured and Underinsured Drivers in Dallas

Experiencing a car accident is tough enough as it is. It can get even trickier if the driver responsible either lacks insurance or has insufficient coverage. This is where uninsured motorist coverage comes into play. It serves as an additional safety net that you can purchase to ensure you’re safeguarded if the other driver is unable to pay for the damages.

Uninsured motorist coverage is vital because it assists in covering your medical bills if the individual who caused the accident doesn’t have enough insurance. This kind of coverage is important since it shields you from dealing with overwhelming expenses after an accident caused by someone who either has no insurance at all or has inadequate coverage to handle the damages you’ve suffered.

Why You Should Carry Uninsured Motorist Protection

It startling how many Texas drivers are uninsured. Texas law requires that every driver must have liability insurance for their vehicles. Yet, many drivers still fail to secure this essential coverage. A troubling statistic shows that more than 2.6 million vehicles registered in Texas lack an insurance policy, which represents 12% of all registered vehicles in the state.

With that in mind, it’s important to consider getting uninsured or underinsured motorist coverage, as insurance companies must offer this option when you buy auto insurance. If you choose not to have this coverage, you must decline it in writing. By selecting uninsured motorist coverage, you’ll receive extra financial protection in the event of an accident with someone who has little or no insurance. This coverage can assist with your car repairs and medical bills, although you will probably need to pay a small deductible for any repairs.

How uninsured coverage goes beyond standard coverage

Car insurance policies usually come with collision coverage, which helps pay for repairs to your vehicle if you get into an accident with someone who doesn’t have insurance or has inadequate coverage. Additionally, your auto insurance might offer options like medical payments and personal injury protection, which can assist in covering any medical expenses you might incur due to the accident.

If you own a high-value car or require long-term medical treatment, collision and medical payments coverage may not provide sufficient financial support. While your health insurance can assist with your injuries, it won’t cover the ongoing care you might need or provide assistance if you’re unable to work.

Insurance Tips to Keep in Mind

Uninsured motorist coverage is crucial because it assists in covering various costs if you get into an accident with someone who lacks insurance. This kind of coverage can take care of damages to your vehicle, the expense of a rental car if you require one, your medical bills, and even compensation for pain and suffering. Without this coverage, you would have to depend on your collision coverage to repair your car, but that won’t cover those extra benefits, and you could end up facing a higher deductible to pay.

If you find yourself in need of long-term care after an accident or if you’re unable to work, it’s probable that your health insurance won’t cover those costs. You usually have the choice to raise your uninsured or underinsured coverage in increments of $5,000. A good rule of thumb is to make sure that your property damage coverage is enough to cover the cost of replacing your vehicle. It’s wise to consult with your insurance agent about what type of coverage would suit your needs best.

IF YOU’RE INJURED IN AN ACCIDENT INVOLVING AN UNINSURED MOTORIST, CONTACT THE LAW OFFICE OF BRIAN BRUNSON TODAY.

Named one of the “Best Car Accident Lawyers in Dallas” by Expertise.com, Brian Brunson is Dallas personal injury attorney who is dedicated to helping clients who have suffered a car, truck, or motorcycle injury through the negligent or wrongful conduct of other drivers. In addition, his professionalism is unmatched and the firms’ client reviews speak for themselves.

We proudly serve the Dallas-Fort Worth metroplex and surrounding areas, our office supports the legal needs of a wide variety of clients. Let the Law Office of Brian Brunson be your advocate in your time of need and help you put your life back together. If we can’t win or settle your case, you don’t pay a dime! We know it can be daunting to take that first step after you’ve been hurt. Contact Brian Brunson today via email or call us toll-free at 1-844-41-WRECK. We can help, when no one else will.