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Do I Need Uninsured Motorist Insurance?

November 22, 2020
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If you have a car accident with a driver who is uninsured, you may be unsure of where to turn next. You have medical costs and aren’t able to work and bills are piling up. But the person at fault has no insurance to file a claim with. What should you do?

Your first step after an accident with an uninsured motorist should be to call The Law Giant at Begum Law Group. Our team of seasoned lawyers will help you find compensation for your injuries and get back to life as it should be. Call us at (866) 523-4167 or use our online contact form.

Why Do I Need Uninsured Motorist Coverage?

You need uninsured motorist coverage because, according to the Insurance Information Institute (III), more than 14% of drivers in Texas do not have insurance. If you have an accident with any one of those people or the thousands who are underinsured, you will need the extra coverage.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage is often purchased along with underinsured motorist coverage and they are referred to as “uninsured/underinsured motorist” or “UM/UIM.” This type of insurance covers your losses if you have a wreck with someone who doesn’t have insurance (uninsured) or doesn’t have enough insurance to cover your damages (underinsured).

Although uninsured motorist coverage is your own insurance policy, it can be complicated to work through a claim. The insurance company still wants to pay you as little as possible, and they may not accurately calculate all of your damages. You should work with an attorney to make sure the insurance company pays you what you deserve.

Is Uninsured Motorist Insurance Required in Texas?

Uninsured Motorist Insurance is not required in Texas, but your insurance company must offer it to you. If you opt not to have uninsured motorist coverage, you must do so in writing.

Texas drivers are only required to carry $30,000 in bodily injury liability (BI) per individual, $60,000 per accident, and $25,000 in property damage liability (PD). This is often referred to as 30/60/25.

If a driver does not have insurance and you have a wreck with them, then your uninsured motorist coverage will cover your damages for bodily injury. Your collision coverage is also important because it will pick up your property damage.

Call Begum Law Group After an Uninsured Motorist Accident

You may be scared after an accident with an uninsured driver. You may be unsure of where you will get compensation. Call The Law Giant to learn more about your claim: (866) 523-4167. You can also use our online contact form to reach out.

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