Drivers are required by state law to carry liability insurance. Unfortunately, in Texas nearly 21 percent of all drivers are breaking that law. That means nearly one out of every five drivers in Texas does not have insurance. While some people feel uninsured motorist coverage isn’t worth paying an extra premium, anyone who has been involved in an accident with an uninsured motorist knows better.
If you are in an accident where an uninsured motorist is at fault and you don’t have uninsured motorist coverage, you could be fully responsible for the damages. However, if you have uninsured motorist coverage, your insurance company will pay for those damages.
Uninsured motorist coverage has two components: property damage and personal injury. If you are hit by someone without insurance, uninsured motorist coverage can pay for not only damage to your property, but also any medical bills you or a passenger might obtain.
While uninsured motorist coverage does cost extra, the premium is usually nominal, and it will save you a lot of money in the long run. If you don’t have uninsured motorist coverage, we highly recommend it!