Uninsured Motorist Coverage

The Pitfalls of NOT Carrying Uninsured Motorist Coverage

Jul 15, 2021

In today’s society, uninsured motorists are a serious problem. According to the Insurance Research Council, there are an estimated 5 million uninsured drivers in the United States alone. Uninsured motorist coverage is not required by law in all states. Walker strongly recommends that you purchase this type of insurance. You need to protect yourself. Mitigate your damages if you are in a wreck with an uninsured driver. Without uninsured motorist coverage, you will be responsible. You will need to pay the related expenses associated with your injury.

Attorney Jim Walker, better known as Walker Texas Lawyer, has been discussing for years the various forms of insurance you need to protect yourself in the event of an accident.  Walker Texas Lawyer, a prominent Houston Personal Injury Attorney and Car Accident Lawyer recommends that Texas drivers purchasing full insurance coverage on their automobile.

Walker recommends that motorists consider PIP, overinsured and underinsured coverage. This will fully protect you in an accident. Jim Walker is an experienced Houston accident attorney. He specializes in personal injury lawsuits involving car accidents, motorcycle accidents, boating accidents, Truck Accidents and ATV accidents.

Insurance Companies

Insurance companies recommend uninsured motorist coverage. It is the only way to protect yourself against uninsured drivers. If you are in an accident with an uninsured motorist you could be in a bad situation. Worst case scenario, you would be left paying for your medical expenses and other related costs.

In Texas,, the current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage, per accident. However, if the driver responsible for the accident and your injuries has low coverage and you have sustained a serious injury, it is possible that the available insurance benefit will not cover all of your medical expenses. In this instance, your own underinsured motorist coverage should cover you.

However, if you need to use your underinsured or uninsured motorist coverage in Texas, you need to manage the negotiations carefully. You cannot file a claim for UI/UIM without settling with the third party first. You can purchase uninsured motorist coverage as part of your standard car insurance policy. Also, you may be able to add it on afterward if you were not aware that it was an option when first buying auto insurance.

Filing a Claim andWithin the Statute of Limitations

Insurance companies will tell you to file a claim for coverage with the at-fault party’s insurance company as soon as you are hit. However, if you are in an accident with an underinsured motorist, you need to contact your own insurance company. You need to notify them that the motorist is underinsured. Working with an experienced auto accident attorney can help ensure that you file your claim in such a way as to maximize recovery. The statute of limitations for a third-party insurance claim is two years, and it is four years for a UI/UIM claim. Using uninsured motorist coverage

If you are in an auto accident with an uninsured driver, there is usually little that can be done. The exception to this rule would be if someone had been killed or seriously injured in the crash. As then you can pursue a wrongful death lawsuit instead. In most situations you will be paying out of your own pocket.

 Houston Auto Accident Attorney Can Help

Walker Texas Lawyer knows personal injury law. He gets results for his clients. Inside Houston Magazine has voted Jim Walker as one of Houston’s top personal injury attorneys for three years. If you have an auto accident injury question, call Walker Today! He will give you a free legal consultation.

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Car AccidentsThe Pitfalls of NOT Carrying Uninsured Motorist Coverage