Uninsured motorist coverage can help protect you after an accident with an uninsured driver. This protection is usually offered as an add-on to your personal injury, liability, or collision insurance, and it can be a big help if you’re injured.
After a car accident with an uninsured driver, it can be hard to know how and where you could recover compensation. A car accident lawyer with Anderson Injury Lawyers can help, but it’s also wise to have uninsured or underinsured motorist coverage.
What Does Uninsured Motorist Insurance Cover?
Depending on the coverage, uninsured motorist insurance can help pay for:
- Medical bills, including surgery, specialists, ambulance, emergency department care, prescriptions, and rehabilitation
- Lost pay for the time that missed work due to injury
- Car repairs
- Car rentals or other temporary transportation
All Texas Drivers Must Carry Insurance, But Some Don’t
Texas drivers are required to carry a minimum of car insurance:
- $30,000 bodily injury per person
- $60,000 per accident
- $25,000 property damage per accident
Although Texas requires all drivers to have insurance, up to 25%, do not have insurance or do not have enough. If your accident involves someone who does not have enough coverage, you could use your uninsured motorist coverage to help with accident-related expenses.
When Does Uninsured Motorist Insurance Apply?
Uninsured motorist coverage can cover your medical bills and lost pay if you are in a crash with someone who:
- Doesn’t have any insurance
- Does not carry enough insurance – underinsured
- Flees the scene – hit and run accident
According to the Texas Department of Insurance, insurance companies must offer uninsured motorist coverage. You may refuse this coverage in writing.
Who Pays for My Damages?
Suppose you don’t have uninsured motorist coverage and are hurt in a wreck with an uninsured, underinsured, hit-and-run driver. In that case, a car accident attorney can help you find compensation from other sources. Otherwise, you may have to pay for your medical bills out of your pocket.
How Do I Know if I Have Uninsured Driver Coverage?
In our experience, many people have uninsured motorist protection but don’t understand what it covers. An attorney with Anderson Injury Lawyers can review your policy and file a claim on your behalf.
You have other compensation options, including:
- If you have collision coverage
- If you have health insurance
- If you were injured in a company car and qualify for workers’ compensation
- If you sue the at-fault party
Our firm can file your claim, talk to the insurance company for you, and negotiate for the maximum possible compensation.
How Much Uninsured Motorist Coverage Do I Need?
Anderson Injury Lawyers recommends that you get at least $100,000 in coverage. However, you may need more than that if you don’t have savings, disability insurance, or health insurance.
Talk to your insurance agent to determine the amount of uninsured driver insurance you can afford.
Injured by an Uninsured Driver? We Can Help
It can be hard to know what to do after a wreck with an uninsured driver. Call Anderson Injury Lawyers at (817) 294-1900 for a free, no-obligation consultation. We can help you understand your policy and your other options for pursuing compensation.
Call today or click here for our online form.