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The True Cost of a Car Accident: Why UM/UIM Coverage is Vital for Texas Drivers

Mar 29, 2023 | Criminal Defense, Criminal law

UM/UIM (uninsured/underinsured motorist) coverage is vital for Texas drivers because it provides protection and financial support in the event of an accident involving a driver who either has no insurance or inadequate insurance coverage. In Texas, the law only requires drivers to carry minimum liability coverage, which may not be sufficient to cover the full cost of damages and injuries in an accident.

If an uninsured or underinsured driver causes an accident, the injured party may be left with significant financial burden and may struggle to pay for medical bills, lost wages, and other expenses. UM/UIM coverage helps protect against these risks by providing additional insurance coverage beyond what the at-fault driver’s insurance may cover.

Additionally, UM/UIM coverage can also provide protection in hit-and-run accidents, where the at-fault driver cannot be identified or located. It can also cover damages caused by drivers who are driving without insurance or with inadequate coverage.

In Texas, UM/UIM coverage is not required by law, but it is strongly recommended. According to the Texas Department of Insurance, roughly 1 in 5 drivers in Texas are uninsured, which means that if you’re involved in an accident, there’s a higher chance that the other driver won’t have insurance.

Overall, UM/UIM coverage is important for Texas drivers to have because it offers peace of mind and financial protection in the event of an accident involving an uninsured or underinsured driver.UM/UIM insurance coverage stands for Uninsured/Underinsured Motorist coverage. This type of insurance is designed to protect drivers in the event that they are in an accident with another driver who either doesn’t have insurance or doesn’t have enough insurance to cover the damages.

To learn more about Um/UIM benefits, or if you have been in a crash where a UM/UIM coverage is an issue, please pick up the phone and RING MING at 713-832-MING (713-832-6464)#RingMing