Why You Need Uninsured & Underinsured Motorist Coverage in Texas
“Do I need uninsured motorist or underinsured motorist coverage?”
The answer is yes.
There are quite a number of uninsured and underinsured drivers in Texas. If you buy this coverage, it protects you not only if you get hit by a driver who has no insurance, but also if the driver doesn’t have enough insurance for your needs.
Example Scenario
What if you get hit by a driver who only has a $30,000 policy, but you need:
- Neck surgery
- Or extensive pain management for two years
You will need much more coverage than that.
The minimum policy required by Texas law is $30,000. (It’s even lower in some other states.)
Breaking It Down with Numbers
- At-fault driver’s policy: $30,000
- Cost of neck surgery: $150,000
Clearly, there’s not enough money to cover:
- Your medical expenses
- Your pain and suffering
- Your impairment
- Your loss of earnings
How Uninsured/Underinsured Coverage Helps
If you have your own higher policy, such as a $500,000 policy, here’s what happens:
- We settle the first claim with the at-fault driver’s insurance.
- Then, we move on to your policy to cover the rest.
This is the only way you will get fully compensated in Texas.
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