Determining Whether Or Not To Carry Uninsured Motorist Insurance
Being in a car accident is already a tough situation to deal with. However, it can get even more complicated if the person responsible for the crash either lacks insurance or doesn’t have sufficient coverage. This is where uninsured motorist coverage comes into play. Think of it as an additional layer of protection that you can purchase to ensure that you’re covered in case the other driver doesn’t have enough insurance to handle the damages.
Uninsured motorist coverage can take care of your medical bills when the driver responsible for the accident doesn’t have enough insurance to pay for what you’ve lost. It’s really important because it makes sure you won’t be stuck with huge expenses after an accident caused by someone who either has no insurance or not enough to cover the damages.
Conventional coverage vs. Uninsured motorist
Many car insurance policies come with collision coverage, which helps cover the costs of repairing your vehicle if you get into an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage. Additionally, your auto insurance might offer medical payments and personal injury protection, which can help pay for any medical expenses you might incur.
If you own a pricey car or require extended medical treatment, collision and medical payments coverage might not provide sufficient financial support. While your health insurance will assist with your injuries, it won’t cover ongoing care or provide assistance if you’re unable to work.
In Dallas, there are a lot of drivers on the road who don’t have insurance. If you happen to get into an accident with one of these uninsured drivers and you don’t have uninsured motorist coverage, you might end up having to pay for all the damages yourself. Even if the other driver does have insurance, it might not be sufficient to cover all your injuries and damages completely.
Does Texas require that I carry uninsured motorist coverage?
In Texas, when you buy an auto insurance policy, insurance companies are required to provide you with the option for uninsured motorist coverage, but you don’t have to accept it. Still, if you decide to skip this coverage, you might find yourself in a tough spot if you get into an accident with someone who doesn’t have insurance. It’s a smart move to add uninsured motorist coverage to your policy because it can help shield you from financial difficulties if you end up in an accident.
Uninsured motorist coverage is a recommended safety net for drivers. Choosing the right insurance can greatly affect your financial stability and overall sense of security, particularly when unforeseen events occur.
How much does uninsured motorist coverage cost and how much should I get?
These two questions can be answered by your insurance provider. Typically, you can increase your uninsured or underinsured coverage in increments of $5,000. A good guideline is to ensure that your property damage coverage is sufficient to cover the cost of replacing your car. It’s a smart idea to consult with your insurance agent to find out what type of coverage would suit your needs the best. When you purchase auto insurance, insurance companies are required to provide you with uninsured motorist coverage, but if you decide you don’t want it, you’ll need to decline it in writing.
IF YOU’RE INJURED IN A WRECK WITH AN UNINSURED DRIVER, 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.
