4 Important Questions All Car Owners Need to Answer Immediately

Owning a car is liberating, but it doesn’t come without responsibility. If you’re a car owner, here are four serious questions you need to answer right away: 

Are you, right at this very moment, breaking the law?

That’s right; I’m talking to you. If you’re currently a Texas car owner and you don’t have liability insurance, you’re breaking the law and risk losing your license. Unfortunately, 20 percent of Texans are currently uninsured. Some are new to Texas, some are young and uninformed, and some blatantly choose to break the rules. Don’t be in that last group. Get the minimum insurance before getting behind the wheel.

Learn more about Texas car insurance requirements on our insurance question and answer page.  

Are you wasting boatloads of money on insurance coverage you don’t need?

Just because your insurance company offers dozens of different policies doesn’t mean they’re all useful. For instance, medical payments (Med-Pay) is a type of insurance that is – in my opinion – a huge waste of money. If you’re involved in a car accident, Med-Pay only covers your medical bills, and if you recover money from a third party in an injury claim, you’re required to pay the Med-Pay carrier back! Instead, I recommend that you buy personal injury protection (PIP).

Learn more on our personal injury protection explained page. 

What are you going to do if you’re hit by an uninsured driver?

This question isn’t just important – it’s vital. If you’re hit by someone who’s illegally driving without car insurance, you’re out of luck…unless you’re carrying uninsured motorist insurance (UM insurance). With the unbelievably high number of uninsured drivers on our roads here in Texas, I think it’s absolutely necessary to carry UM insurance. This type of insurance will pay for damages caused by illegal drivers as well as hit-and-run drivers.

Learn more on our page, The Importance of Uninsured Motorist Protection.

Do you know when to call an ambulance?

You’ve got wheels – it’s kind of like having wings. And yet, with great car comes great responsibility. If you’re involved in an auto accident, you should always call 911 (even if no one is hurt!) because the police need to come to the scene and file a report. However, if someone is hurt, you might have to decide between waiting for the ambulance or speeding to the hospital on your own. So what will it be?

-          Does the injured person’s condition appear to be life-threatening?

-          Could the injury become life-threatening on the way to the hospital?

-          Are you unsure of where the nearest hospital is?

-          Could movement injure the person more?

-          Would distance or traffic cause a delay in getting the injured person to the hospital?

If you answered “yes” to any of the above questions, don’t try to drive to the hospital on your own, even if you think it’s faster – it’s best to call 911 and ask for an ambulance. 

 

Common Questions Anderson Law Firm Receives About Car Accidents:

Am I able to make a claim if I get hit by a driver who flees the accident?
How do I obtain my police report?
How do I start a claim with the other driver's insurance company?
What is the effect of signing a release after your accident?
Can I afford a good attorney?

 

Injured in an accident that wasn't your fault? Call us today for a free, no obligation consultation. We work on a no win, no fee basis. 

Toll Free: 800-354-6275

Local: 817-294-1900

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Mark A. Anderson
Board Certified Personal Injury Lawyer in Fort Worth, Texas