The unfortunate reality in Texas is that a very large percentage of drivers actually do not have auto insurance in force at the time of an accident. If you happen to be involved in an accident with one such person, your options can be very limited in obtaining any kind of relief from the economic consequences of the car wreck.
Texas families are holding the bag more frequently than ever because of the large number of uninsured drivers and also because of the junk policy problem in Texas. Because of the failure of the Texas insurance Commissioner to regulate standard form auto policies, many people think they have insurance coverage on the car only to find out in specific circumstances they may not.
The truth of the matter is that your odds are about one in three that if you are in an accident at Texas you may be on your own because there is no insurance coverage for the one that caused the accident. In this case, full coverage auto insurance can be a lifesaver.
A couple of very important coverages that can save you from being left holding the bags are:
UNINSURED MOTORIST COVERAGE
Uninsured motorist coverage and underinsured motorist coverage, provides you with insurance in the event you are injured by an uninsured driver or you are seriously injured and the person who caused the accident didn’t have sufficient insurance to cover your damages. With this type of coverage, your insurance carrier actually steps into the shoes, so to speak, of the negligent driver and covers your damages because of the inability of the negligent driver to do so.
PERSONAL INJURY PROTECTION
PIP insurance coverage is very helpful for those who have high deductibles on their health insurance or are not covered by health insurance, and it allows you to apply and collect for medical bills incurred as a result of a car accident up to the limits of the coverage.
RENTAL CAR COVERAGE AND TOWING
If you have rental car coverage or towing coverage, you may be able to utilize this coverage to get a rental car and/or pay the towing company after a car accident. If the driver who caused the accident has no insurance coverage and you are not covered for the same, this will come out of your own pocket.
Of course if you get in a car accident, repair of your vehicle is something that you will want to have done. If the uninsured driver does not voluntarily pay for your repairs, you will end up holding the bag unless you have this type of coverage.
We are frequently asked what can we do when we are involved in a car accident with an uninsured driver. If you do not have the full coverage referenced above, your options are very limited and it is very difficult to find an attorney to handle your case. Of course you may be able to go to small claims court to seek to collect your damages, but actually collecting money is a different matter from winning a lawsuit against an uninsured driver.
Life is not always fair and carrying full coverage auto insurance will certainly benefit you in the event you’re in an accident with an uninsured driver.
Baumgartner Law Firm
6711 Cypress Creek Pkwy
Houston, TX 77069