When you are driving in Texas, you hope that every driver around you is responsible, attentive, and properly insured. Unfortunately, this isn’t always the case. A car accident lawyer in McAllen can help you navigate these complexities.
If you are in an accident caused by an uninsured or underinsured motorist, you could be left facing significant financial burdens and struggling to recover the compensation you deserve. While Texas law doesn’t require drivers to carry uninsured/underinsured motorist (UM/UIM) coverage, this policy carries significant advantages.
Pro: UM/UIM Can Protect You Regardless of the Other Driver’s Insurance Status
One of the most significant advantages of UM/UIM coverage is that it can provide a vital safety net after an accident caused by an uninsured or underinsured driver. If you’re injured in a crash and the at-fault driver lacks sufficient insurance to cover your damages, your UM/UIM policy can step in to help cover medical expenses, lost wages, pain and suffering, and other accident-related costs. Otherwise, you would likely need to pay for these damages out of pocket.
Con: UM/UIM Insurance Costs Extra Money
Like any additional insurance coverage, UM/UIM protection comes at a cost. Adding this optional coverage to your auto insurance policy will increase your premiums, which can be a deterrent for some drivers. However, it’s important to consider the potential cost of an accident with an uninsured or underinsured motorist. The financial burden of medical bills, lost income, and other damages can far exceed the added expense of UM/UIM coverage, making it a worthwhile investment.
Pro: UM/UIM Provides Coverage in the Event of a Hit and Run Accident
Hit and run accidents can be particularly devastating, leaving victims injured and without any information about the at-fault driver. In these situations, UM/UIM coverage can step in, providing compensation for your damages even when the other driver cannot be located. This protection can help alleviate the financial stress and uncertainty that often accompany these incidents, allowing you to focus on your recovery.
Con: Certain Rules Can Limit Hit and Run Accident Coverage
In some hit and run cases, insurers may require evidence that the other vehicle made physical contact with your car in order to qualify for UM/UIM benefits. This can be problematic in situations where the at-fault driver causes you to crash without directly hitting your vehicle.
Pro: UM/UIM Can Provide Stability When the Other Driver Lacks Adequate Coverage
Even when an at-fault driver has insurance, their policy limits may not be sufficient to cover the full extent of your damages. In these situations, UIM coverage can bridge the gap, providing additional compensation to help you recover from your injuries and financial losses. By carrying UIM protection, you can have peace of mind knowing that you have the resources you need to move forward after an accident.
Contact De La Garza Law Firm and Seek Justice Today
If you’ve been involved in an accident with an uninsured or underinsured driver, navigating the next steps can be challenging. De La Garza Law Firm is dedicated to helping you understand your rights and options, including the complexities of uninsured motorist coverage. Don’t face this difficult situation alone; contact us at (956) 533-1426 to schedule a consultation with our Texas car accident attorney today.
