Texas law does not require that drivers carry uninsured motorist insurance; however, you can procure this type of insurance even if the uninsured motorist laws of your state do not make it mandatory. This optional insurance can provide you with more comprehensive insurance in case of an accident.
What Is Uninsured Motorist Insurance?
Uninsured motorist coverage helps cover the costs of an accident in which an at fault driver does not carry automobile insurance. It may also cover hit-and-run accidents and under-insured accidents depending on the details of your policy. You should consult your insurance provider to ensure that you have adequate coverage if you are in doubt. This is an added protection in addition to your basic coverage and may cost more to add to your plan.
Texas Insurance Options
Texas law requires that all drivers carry basic liability coverage to cover the costs of an accident. Not all individuals abide the law, leaving law abiding citizens at risk in case of accident. You may elect to have the following insurance in addition to the base level of liability insurance required under Texas law:
- Uninsured Motorist Coverage - pays for medical expenses, lost wages, property damage and other covered costs of an accident with an uninsured or under-insured motorist. This coverage cannot exceed the amount you carry for bodily injury in most cases.
- Medical Payment Coverage - pays for medical and dental bills that result from an auto accident. Depending on your policy, your family members may also be covered by this and other insurance provisions.
One thing drivers don't always consider is the financial situation an accident with an uninsured motorist can leave them in if they don't carry this coverage. For example, if you have a passenger in your vehicle and an uninsured motorist hits your vehicle, injuring your passenger, you may be liable for the medical costs and other damages. You could be sued for damages if your insurance is not sufficient to cover the bills.
Getting Legal Help
An attorney will help you if you have been involved in an accident with an uninsured or under-insured motorist and have suffered damages as a result. Contact an experienced personal injury attorney in your state to protect your rights. An attorney will advocate for you during the legal process and advise you of potential strategies and settlement options.