Uninsured/Under Insured Motorist Accidents
The state of Texas requires all motorists to have some basic level of vehicle insurance. The requisite amount, however, is often not enough to cover the expenses of an actual car crash. A driver in this situation is called an under-insured motorist. If a driver simply chooses to have no insurance despite the law, we call them uninsured motorists.
By law, your insurance company is required to offer additional coverage for accidents with uninsured and under-insured motorists (UM and UIM, respectively). This coverage comes in two types:
bodily injury and property damage.
Bodily injury insurance covers your hospital or medical bills, any lost wages you may incur, and compensation for any pain and suffering or disfigurement as a result of the accident. There is no deductible associated with this coverage.
Property damage insurance covers damage to your vehicle or any of your property within your vehicle. It also covers the price of a rental car while your vehicle is being repaired. A $250 deductible is associated with this coverage.
Even if you have no UM/UIM coverage, there may be ways to recover some damages if you are in an accident with an uninsured or under-insured motorist. If you are in an accident with a UM/UIM, contact the
Dallas personal injury attorneys at Grossman Law Offices and let us make sure your injuries are fully compensated.
Related articles:
Important auto accident information
Questions answered in this article:
Do insurance companies offer additional coverage for uninsured/under-insured accidents?
Can I recover any damages even if I have adequate insurance?