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Why Is It So Important to Have Underinsured Motorist Auto Insurance?

Posted on in Auto Accidents

Harris County personal injury lawyerPaying for comprehensive car insurance coverage can be a real pain, especially when inflation is making daily life more expensive than ever and you and your family are looking for ways to save money any way you can. Many people figure they can get by with liability coverage and stake their bet on the statistical improbability that a car accident will happen to them, hoping that if another driver causes an accident that person’s insurance will cover any damages. 

Yet if there was ever an expense not to skip out on, uninsured/underinsured motorist coverage is it. Even though it is illegal, many drivers on Texas roads are driving with no car insurance whatsoever - research suggests more than one in 10 drivers are completely uninsured. Those who do have car insurance may not have coverage that is sufficient to compensate a victim of a serious car accident. If you get into a car accident and do not have enough car insurance coverage of your own to cover a driver with minimal or no car insurance, you could be setting yourself up for disaster. 

How Does Uninsured/Underinsured Vehicle Insurance Work? 

In most accidents when another driver is at fault, their insurance company pays for your vehicle repairs or replacement, compensates you for treatment for your injuries and lost wages, and you do not pay any expenses out of pocket - especially if you have a great personal injury attorney advocating for you. 

But when the other driver is at fault and they have insufficient or nonexistent car insurance, you could find yourself facing a serious problem if you do not have uninsured/underinsured car insurance. Now, the cost of any damage to you, your car, and your passengers that is above your insurance limits must come from somewhere - and that somewhere is probably going to be your own pocket. 

It is important to note that although insurance companies often bundle underinsured and uninsured policies together, they are not exactly the same type of coverage. Underinsured coverage pays for damage that exceeds the other party’s insurance coverage limits; uninsured coverage protects you if the other driver has no insurance at all. While having uninsured coverage may seem like a no-brainer, having underinsured coverage is crucial as well. Insufficient insurance coverage in a catastrophic accident involving hundreds of thousands or millions of dollars’ worth of damages may leave you as nearly as financially exposed as having no insurance at all. 

Contact an Experienced Houston Car Accident Injury Lawyer 

No matter what kind of insurance coverage you have, you deserve an aggressive Harris County car accident injury attorney who is invested in the success of your case. If you have been injured in a car accident, get help by calling the Law Office of Shane R. Kadlec today at 281-643-2000. Attorney Kadlec is certified in personal injury trial law by the Texas Board of Legal Specialization and has substantial trial experience in personal injury litigation. Get help from the best - call the Law Office of Shane R. Kadlec today. 

 

Sources: 

https://www.tdi.texas.gov/tips/uninsured-motorist-coverage.html

https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

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