Protecting Yourself Against Dallas Driver’s Without Insurance
Experiencing a car accident is challenging enough on its own. Things can become even more difficult if the driver at fault either doesn’t have insurance or has inadequate coverage. This is where uninsured motorist coverage becomes important. It acts like an extra safety net that you can buy to make sure you’re protected if the other driver can’t cover the costs of the damages.
Uninsured motorist coverage is essential because it helps cover your medical expenses if the person who caused the accident doesn’t have sufficient insurance. This type of coverage is crucial since it protects you from facing overwhelming costs after an accident caused by someone who either lacks insurance entirely or has inadequate coverage to pay for the damages you incurred.
A Surprising Number of Texas Drivers Are Uninsured
Texas law mandates that all drivers must carry liability insurance for their vehicles. However, there are still many drivers who neglect to obtain this coverage. A concerning statistic reveals that over 2.6 million vehicles registered in the state do not have an associated insurance policy, which accounts for 12% of all registered vehicles in Texas.
With that said, it’s worth thinking about getting uninsured or underinsured motorist coverage, as insurance companies are required to provide this option when you purchase auto insurance. If you decide that you don’t want this coverage, you need to decline it in writing. By opting for uninsured motorist coverage, you’ll gain additional financial security in case you’re in an accident with someone who has insufficient or no insurance at all. This coverage will help cover your car repairs and medical expenses, although you will likely have to pay a small deductible for any car repairs.
Uninsured Motorist Coverage vs. Standard Insurance Coverage
Car insurance policies often include collision coverage, which assists in paying for repairs to your car if you’re involved in an accident with someone who lacks insurance or has insufficient coverage. Furthermore, your auto insurance may provide options like medical payments and personal injury protection, which can help cover any medical bills you may face as a result of the accident.
If you have an expensive car or need long-term medical care, collision and medical payments coverage might not give you enough financial help. Your health insurance can help with your injuries, but it won’t cover the ongoing treatment you might need or help you out if you can’t work.
In Dallas, many drivers on the road lack insurance. If you find yourself in an accident with one of these uninsured drivers and you don’t have uninsured motorist coverage, you could be stuck paying for all the damages out of your own pocket. Even if the other driver is insured, their coverage might not be enough to fully compensate you for your injuries and damages.
Quick Tips and Things To Remember
Uninsured motorist coverage is important because it helps cover various expenses if you’re in an accident with someone who doesn’t have insurance. This type of coverage can pay for damages to your car, the cost of a rental car if you need one, your medical expenses, and even compensation for pain and suffering. If you don’t have this coverage, you’ll have to rely on your collision coverage to fix your car, but that won’t include those additional benefits, and you might end up with a higher deductible to pay.
If you find yourself needing long-term care after an accident or if you’re unable to work, it’s likely that your health insurance won’t pay for those expenses. You often have the option to 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 talk to your insurance agent about what type of coverage would be best for your situation.
IF YOU’RE INJURED IN AN ACCIDENT INVOLVING 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.