Why Everyone Needs Uninsured Motorists Coverage in Fort Worth, Texas

Uninsured Motorist Coverage is something you buy on your own auto policy. This type of car insurance comes into play when the other driver (the one responsible for your motor vehicle collision) does not have enough insurance to pay for you injuries and damages. It is great insurance to have as approximately 25% of the drivers on the roads in Fort Worth and Tarrant County don’t have any liability insurance as mandated by the State of Texas.

Even more bad news--about 75% of the drivers who do have car insurance only have minimal limits, which is only $25,000 here in the state of Texas. So, if another driver hits you and only has $25,000 in liability insurance coverage, but your medical bills, lost wages and pain and suffering make your claim worth more than $25,000, then you have to make a claim on you underinsured motorist coverage. Oftentimes, people injured in car wrecks have to make a claim on their own UM policy in order to be fully compensated for their injuries.

Uninsured Motorists coverage is absolutely great insurance to have. The best news is that it is not that expensive. Every insurance company selling insurance in Texas must offer it to it customers. So, there’s a good chance you have it. When some people call our personal injury law firm in Fort Worth, they don’t even know they have it. Our personal injury attorneys ask them to bring us their insurance policy, specifically the Declaration’s page, where we can see that, yes, indeed they have it. After that, the proper thing to do is to make a claim against the other driver for their insurance as well as for your own underinsured motorist policy if your damages exceed the limits of the other person's policy.

These types of claims are very common and very few clients were reluctant to make it. For those clients who are reluctant to make a claim, we remind them why they bought the insurance if they weren't going to use it. In almost every situation they agree with us, we make the claim and we shoot for the top dollar for our clients to make sure they’re fairly compensated for their injuries. It makes no difference that you’re making the claim against your own insurance company. In fact, that’s the reason you bought the insurance in the first place.

If you have question regarding a potential insurance claim, feel free to call the Fort Worth car accident attorneys at the Anderson Law Firm and ask us questions. There is no charge and we will be glad to answer your questions.

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