Protect Yourself With Uninsured And Underinsured Motorist Coverage
If you've been injured in an Arlington traffic collision you have the right to file a claim for compensation against the negligent driver's insurance company - but what if the at fault driver doesn't have insurance? It might be a legal requirement in Texas, but if they're brazen enough to text behind the wheel or drive while intoxicated, what makes you think they're likely to actually purchase an insurance policy in the first place. Criminal charges aside, you need to make sure that you and your family are protected. Even the best personal injury lawyer in the state won't be able to help you if there is no insurance policy to claim against.
As with any insurance purchase, uninsured and underinsured motorist coverage are bought just in case the worst actually happens one day. Hopefully you will never need them. Unfortunately, auto accidents happen every day in the DFW metroplex. Covering yourself is essential. The way it works is that if you're involved in a wreck and the other driver either doesn't have enough insurance to fully compensate you for all the damages you've incurred - or if they don't have insurance at all - then your own UIM/UM policy would come into play and will basically play the part of the other driver's insurance. If you drive and expensive vehicle or if the injuries you sustain require multiple surgeries then an underinsured motorist policy can really help make up the difference as it would become your insurance company's responsibility to fully and fairly compensate you for your medical bills, loss of income and property damage.
You can purchase uninsured and underinsured motorist bodily injury insurance to cover you (the policy), and other named drivers covered by the policy and any passengers that happen to be in your vehicle at the time of the accident. The coverage limits you agree to when you take out the policy will refer to the maximum amount that your insurance company would pay per person, per accident.
If you or a loved one have been hurt in a car crash which was not your fault, it is critical that you consult with a board certified accident and injury attorney as soon as possible so that you have a clear understanding of your legal rights and what insurance policies exist that you are able to seek compensation from to cover your hospital bills, time off work as well as compensation for your very real pain and suffering. Mark Anderson has been helping personal injury victims from Arlingotn and across North Texas since 1991. Call today for a free consultation on your case. Call toll free at 800-354-MARK (6275) or call locally in Fort Worth at 817-294-1900 or in Dallas at 214-327-8000.
15 Mistakes That Will Wreck Your Texas Accident Case!
One wreck is enough! If someone's carelessness causes you to be seriously injured in a Texas Accident, you must make sure you don't make mistakes that could WRECK your own claim. Any mistakes you make could end up being very costly for you.
15 Mistakes That Will Wreck Your Texas Accident Case!
