Uninsured motorist coverage is an important type of auto insurance coverage that provides protection if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. Now obviously having insurance is something that is required by law. The only problem with that, is not everyone will follow that.
Texas has over 15 million drivers all across the state. Of those, 20% (3 MILLION PEOPLE!) drive without having insurance. Take this down to a smaller scale and think about it for you and where you live. How many cars do drive by when going to work or going shopping? 50? 100? 200? Statistically speaking, 1 out of every 5 of those drivers don't have insurance! This makes it very easy to be in an accident with the wrong person, and feel like your lost on what your next steps would be.
If you are in a wreck with an uninsured motorist and you do not have uninsured
motorist coverage, you may be responsible for paying for the damages and injuries out of your own pocket. This can be financially devastating, especially if the accident is severe and results in significant damages or medical bills.
However, If you have uninsured motorist coverage, your insurance company will typically cover the cost of damages and injuries up to the limit of your coverage. This can include medical expenses, lost wages, and damage to your vehicle. If the uninsured driver is found to be at fault for the accident, you may also be able to sue them for damages. However, even if you win a lawsuit, it can be difficult to collect damages from an uninsured driver who may not have the financial resources to pay. If you haven't done so recently, it may be a great time to get a quote from an agent and let them look over your policy to make sure there aren't coverage gaps you weren't even aware of. Uninsured motorist coverage also has many great benefits to them including a low cost on the policy, reduced deductibles, and most importantly of all, coverage for hit-and-run accidents. Unfortunately, these types of accidents have become more and more common everywhere, and without the coverage, these are typically very difficult to resolve.
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