Texas roads are busy, and unfortunately, not every driver carries proper insurance. If you’re injured in an accident caused by an uninsured or underinsured motorist (UIM), Texas law offers protection through Uninsured/Underinsured Motorist (UM/UIM) coverage. Here’s a breakdown for Texas plaintiffs:
UM/UIM: Your Shield Against Uninsured Drivers
- Uninsured Motorist (UM): Covers your medical bills, lost wages, and pain & suffering when the at-fault driver has NO liability insurance.
- Underinsured Motorist (UIM): Kicks in when the at-fault driver’s liability coverage isn’t enough to cover your damages.
Why UM/UIM Coverage Matters in Texas
- High Rate of Uninsured Drivers: Texas has a higher-than-average rate of uninsured drivers, making UM/UIM crucial.
- Peace of Mind: Knowing you’re covered even in an accident with an uninsured/underinsured driver provides peace of mind.
Maximizing Your UM/UIM Benefits
- Not Mandatory, But Highly Recommended: Texas law requires insurers to OFFER UM/UIM, but you can reject it. Don’t!
- Choose Adequate Coverage Limits: Select UM/UIM limits that match your liability coverage or even higher for better protection.
- Seek Legal Guidance: A Texas personal injury attorney can help navigate UM/UIM claims and ensure you receive fair compensation. https://www.tdi.texas.gov/tips/uninsured-motorist-coverage.html
