Uninsured Motorist Coverage
Written by greg on April 5, 2012
There’s an insurance policy for everything. Stars have their legs and rear ends insured. Singers insure their voices. Why there was a fellow that had his moustache insured (which proves my point). So it should come as no surprise that you – as a legal and insured vehicle driver – can actually ensure yourself against the event that you are involved in an accident with someone who has no insurance. In other words, insurance against the uninsured motorist. The point of uninsured motorist insurance is -The idea behind uninsured motorist insurance is to protect the persons who do have insurance from drivers who do not have liability insurance (it’s really as simple as that).
Even though drivers in Texas and in most states are required by law to have car insurance coverage, some drivers simply do not carry insurance on their cars. The effect this has becomes known when an uninsured motorist is involved in an accident. The lack of coverage can cause undue and extensive hardship for the uninsured driver as well as the victim of the auto accident.
The consequences of being in an accident with an uninsured driver can be severe. You may end up having to pay for your own vehicle repairs or replacement and stuck with your own medical bills, even though the accident was not your fault.
One important point is that if you are involved in an auto accident with an uninsured motorist and you carry uninsured motorist coverage, you may make a claim under your own policy for your damages. Unfortunately, this puts you in a direct conflict with your insurance carrier. The carrier will want to minimize the amount they pay off on your claim and you will want fair and reasonable compensation for your personal injury.
Despite all of this – in my opinion ‘in for a penny – in for a dollar’. In other words, if you’re going to buy auto insurance the additional expense for uninsured motorist insurance would be worth it in the end.