Car accidents are a common occurrence on roads and highways across the United States. According to the National Highway Traffic Safety Administration, there were over 6 million car accidents in 2019 alone. While many of these accidents involve insured drivers, there is a significant number of incidents where the at-fault driver is uninsured. In fact, according to the Insurance Research Council, approximately 1 in 8 drivers in the United States are uninsured. This alarming statistic highlights the importance of uninsured motorist coverage for car accident victims. If you are in an accident with someone without insurance, then you need to hire an experienced lawyer for car accidents with uninsured drivers. This article will explore why uninsured motorist coverage is essential for car accident victims. The consequences of not having it, and how to choose the right coverage for your needs.
Walker Texas Lawyer, has been discussing for years the various forms of insurance you need to protect yourself in the event of an accident. Â James Walker is a prominent Houston Personal Injury Attorney and Car Accident Lawyer who recommends that Texas drivers purchase full insurance coverage on their automobiles.
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.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is an insurance policy that protects drivers in the event of an accident with an uninsured or underinsured driver. This type of coverage provides financial protection for medical expenses, lost wages, and property damage that may result from an accident with an uninsured driver. Uninsured motorist coverage is typically divided into two categories: bodily injury coverage and property damage coverage.
Bodily injury coverage provides compensation for medical expenses, lost wages, and pain and suffering resulting from an accident with an uninsured driver. Property damage coverage provides compensation for damage to your vehicle. As well as, other property resulting from an accident with an uninsured driver.
The Consequences of Not Having Uninsured Motorist Coverage
Driving without uninsured motorist coverage can be financially devastating for car accident victims. Without this type of coverage, victims may be left to pay for their medical bills, lost wages, and property damage out of pocket. Victims may sometimes be forced to take out loans or sell assets to cover these expenses.
Consider the following example: John is driving to work when he is hit by an uninsured driver. John suffers a broken arm and requires surgery, resulting in $30,000 in medical bills. John is unable to work for six weeks due to his injury, resulting in $10,000 in lost wages. Additionally, John’s car is totaled in the accident, resulting in $20,000 in property damage. Without uninsured motorist coverage, John would be responsible for paying these expenses out of pocket, totaling $60,000. This financial burden could be devastating for John and his family.
Understanding the Legal Landscape of Uninsured Motorist Claims
Filing an uninsured motorist claim can be a complex and challenging process. Insurance companies may deny claims or offer low settlements, leaving victims without adequate compensation for their losses. Additionally, the legal process for filing an uninsured motorist claim can be lengthy and time-consuming.
Working with an experienced lawyer for car accidents with uninsured drivers can help victims navigate the legal process. As well as help them obtain fair compensation for their losses. An experienced lawyer can help victims gather evidence, negotiate with insurance companies, and file a lawsuit if necessary. At Walker Texas Lawyer, we have over 40 years of experience helping car accident victims with uninsured motorist claims.
How to Choose the Right Uninsured Motorist Coverage for You
Choosing the right uninsured motorist coverage can be a daunting task. There are many factors to consider, including coverage limits, deductibles, and exclusions. When selecting an insurance policy, it is important to consider your specific needs and budget.
Consider the following factors when choosing uninsured motorist coverage:
- Coverage limits: The coverage limit is the maximum amount the insurance company will pay for a claim. Make sure to choose a coverage limit that will adequately protect you in the event of an accident.
- Deductibles: The deductible is the amount you will pay out of pocket before the insurance company will pay for a claim. Consider choosing a higher deductible to lower your monthly premiums.
- Exclusions: Some insurance policies may exclude certain types of accidents or injuries. Make sure to read the policy carefully to ensure that it covers the types of accidents and injuries you are most concerned about.
If you are considering motorcycle insurance, we discuss motorcycle insurance coverage here.
Houston’s Auto Accident Attorney Can Help
Uninsured motorist coverage is essential for car accident victims. Driving without this type of coverage can be financially devastating, leaving victims to pay for their medical bills, lost wages, and property damage out of pocket. If you are in an accident with someone without insurance, then you need an experienced lawyer for car accidents with uninsured drivers.
When selecting uninsured motorist coverage, it is important to consider coverage limits, deductibles, and exclusions. Additionally, working with an experienced lawyer like Walker Texas Lawyer can help victims protect their legal rights and obtain fair compensation for their losses. Don’t wait until it’s too late – make sure to protect yourself and your loved ones with uninsured motorist coverage today.
