Saturday, February 28, 2015

Truck Accidents- Uninsured/Underinsured Motorists: Houston Personal Injury Attorney

Over 14 percent of drivers on the road today do not carry legally required liability insurance. Even drivers who do carry insurance sometimes only carry minimum limits, which may not be enough to cover all of the damages in an accident for which they're responsible. If the at-fault driver can't afford to pay out of pocket for the damages that insurance doesn't cover, you'll be left paying for them — unless you have Underinsured Motorist insurance, which covers situations in which the at-fault driver is underinsured.

Texas has strict laws when it comes to auto insurance. Texas is a “fault” state, meaning that drivers must carry liability insurance to pay for bodily injury and property damage resulting from accidents they cause. The current statutory minimums for liability are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. But even though it’s the law, not every driver purchases insurance, and some lose coverage by failing to make premium payments in a timely manner.
Art. 5.06-1 of the Texas Insurance Code mandates that all automobile insurance companies doing business in Texas offer UM/UIM coverage as a part of the standard Texas Personal Automobile Insurance Policy, with the purpose being to protect those so insured against the negligent acts of “financially irresponsible” motorists. Texas does not require drivers to carry uninsured/underinsured motorist coverage. This type of insurance provides protection in the event of an accident where the at-fault driver does not have liability insurance. Unfortunately, policyholders with uninsured motorist coverage often end up in disputes with their own insurers instead of the other drivers’.

Texas State laws surrounding uninsured or underinsured motorist insurance coverage are somewhat complicated in Texas; if you find yourself unable to recover financial compensation after a Houston, TX car accident an experienced personal injury lawyer can help guide you through the process and get you the best possible outcome. For more information about how to proceed in these cases and to recover money from your Texas uninsured or underinsured motorist insurance coverage contact us at or call 1 844-8LEGAL8 for a free consultation.