Uninsured Coverage, Am I Fully Covered?

How many times do you hear someone claiming that they have “Full-Coverage”? There’s different type of coverage that you could add to what is required for you to have under Texas Law. Having the bare minimum coverage required for you to drive on Texas Road is hardly ever enough for anyone to claim that they are fully covered. That’s because, it all depends on how serious the personal injuries are and the damage to the vehicles that resulted from the crash! It can be minimal but, it can also be very serious and even have resulted in death. That’s why understanding that uninsured coverage is vital to making sure you and your loved ones are protected when you are in a car crash involving a driver with minimum coverage! The percentage of uninsured drivers on Texas roads appears to be increasing. Texas law requires motorists to carry a minimum of $30,000 of liability insurance per person, $60,000 per accident and $25,000 for property damage. Regardless of the Texas mandatory liability insurance statute, the Insurance Journal reports that more than 14% of all drivers on the road in the state have no liability insurance. Call (346) 347-7777 and put Sandoval to work for you!

Texas car crash victims can protect themselves against personal injury losses caused by uninsured drivers by having purchased uninsured motorist coverage along with their existing liability and property damage coverage. When they do that, they’re also protecting themselves against underinsured motorists who only have minimum coverage but cause injuries and damage to your vehicle that exceed that minimum amount substantially.

How are Underinsured Claims Handled?

According to the Houston Car Accident Lawyer Hector Sandoval, from the Sandoval Law Firm, PLLC, here’s how uninsured motorist insurance works. If you are injured in an accident that was caused by the negligence of an uninsured driver, you can make your claim for personal injury damages with your own insurer that you purchased uninsured motorist insurance from. The same procedure applies if you have underinsured motorist coverage.

When you make that claim with your own insurer, the insurance company will defend the case in many of the same ways that the insurance company for the other driver would defend the case. The decision makers at the insurance company know that it’s in for a loss, so they will do whatever it can do to try to devalue or even deny your claim. An experienced and aggressive Houston Car Accident Lawyer can help you confront, even your own insurance, in underinsured car wreck claims.

If you were a driver, passenger, bicyclist or even a pedestrian who was injured through the fault of an uninsured driver, contact us at (346) 347-7777 to arrange for a free consultation and case assessment. You can even make a claim if you were injured through the fault of a hit-and-run driver. Remember that your own insurer turns into the adverse insurer. You’re going to be needing responsive, quality and aggressive legal assistance. Try us!