Posted in: by Anderson Injury Lawyers

Uninsured motorist coverage is one of the most important types of insurance you can purchase. It will cover expenses that no other policy will help you with after an accident with someone who was not insured.

If you were involved in an accident with an uninsured driver, it’s important to work with a car accident lawyer who understands how the law and insurance policies work. Call Anderson Injury Lawyers at (817) 294-1700 or use our online contact form.

Why Do I Need Uninsured Motorist Coverage?

You need uninsured motorist coverage to pay for your injuries and property damage if you are in a wreck with someone who does not have liability car insurance.

In Texas, all drivers are required to have insurance. Drivers must have $30,000 of coverage for injuries per person and a total of $60,000 per accident, along with $25,000 of coverage for property damage. However, as many as 25% of Texas drivers do not have insurance or do not have enough. If you are in a wreck with someone who does not have enough insurance, your insurance policy may also pick up the rest.

What Does Uninsured Motorist Insurance Cover?

Your uninsured motorist policy will pick up your damages if you’re involved in a wreck where the other driver does not have insurance. In Texas, as many as 25% of drivers don’t have insurance.

Your collision coverage and major medical insurance will cover some of your expenses, but not all of them. That’s where your uninsured motorist coverage comes in. It will pick up additional medical expenses, lost wages, loss of earning capacity, and noneconomic damages that your other insurance policies may not cover.

How Much Uninsured Motorist Coverage Should I Get?

You need enough insurance to cover your medical bills, lost wages, damaged property (such as your car and phone), and even noneconomic damages like pain and suffering. You should not opt for the lowest possible amount of uninsured motorist coverage. Instead, talk to your insurance agent and find out what is the maximum amount you can afford.

We recommend getting at least $100,000 in uninsured motorist coverage, but you may need more if you have a newer or expensive vehicle or are concerned about significant amounts of lost wages. If you don’t have a savings account or disability insurance, then you may want to increase the amount of uninsured motorist coverage you get.

Is Uninsured Motorist Coverage Required in Texas?

No. You do not have to have uninsured motorist coverage in Texas; however, your insurance company must offer it to you. You have the option to turn it down in writing.

What Happens If I Don’t Have Uninsured Motorist Coverage?

If you’re in a wreck with someone who does not have insurance, but you have collision coverage, then your auto policy’s collision coverage will pay for damage to your car. If you have major medical health insurance, then that should pay for your medical treatment if you can find a doctor to treat you after an accident (hint—many doctors will not see accident victims). However, if you have long-term care needs or your ability to work is limited, you may not have insurance to cover it.

Call a Car Accident Lawyer If You Are in a Wreck With Someone Who Is Uninsured

The legal process will look quite different if you are involved in a wreck with someone who is uninsured. You will have to battle your own insurance company to get what you deserve. You might think they are on your side, but they will fight you and try to minimize your claim.

Call Anderson Injury Lawyers at (817) 294-1700 or use our online contact form today.