With insurance, you need to cover all basis – including those who aren’t as prepared as you. There are many drivers with no insurance at all. Even though liability insurance is necessary to drive legally in the United States, sadly, about 1 out of 8 drivers has absolutely no coverage.
Luckily the majority of people on the road are covered with simple liability insurance at the least. But that still leaves that small percentage of drivers who are not. Not everyone is going to do the right thing, and therefore will put others in a terrible position.
Why is it a problem for you?
Let’s be clear about the ways uninsured motorists can become a big problem for those who drive legally. If you were ever involved in an auto accident with an uninsured motorist, you are stuck trying to get vehicular repairs and medical bills paid directly by the driver themselves. As you can imagine, this can be a very long and annoying experience.
When an uninsured driver is involved in an accident, you could end up with a big headache. So to avoid the unnecessary drama and irritation, you must have uninsured motorist insurance. It is better to be safe than sorry. Here is how uninsured motorist coverage benefits you:
- Uninsured motorist property damage coverage takes care of all damages to your automobile. However, it will not cover bodily injuries sustained during the accident.
- Uninsured motorist bodily injury insurance covers all lost wages, pain, and medical expenses. Basically, all inconveniences are covered minus the automobile damage. If you end up having to see a therapist due to the psychological effects or trauma from the accident, this can also help with that.
When to call a lawyer
Uninsured motorist coverage is required in Texas, however, many people do not have it. If you were injured by one of those uninsured drivers in a vehicle accident, and you do not have uninsured motorist coverage, you are stuck trying to get that driver to pay for the damages.
Not only would that not be easy, you probably won’t be very successful. At that point, your best option would be calling a personal injury attorney who can help recover damages from the individual. Even then, they may not have the money to pay for the damages they caused (unlike an insurance company)
We all want to save money, even when it comes to car insurance. But if saving money means you leave yourself vulnerable to the dangers of uninsured motorists, then the “savings” is just not worth it. While having uninsured motorist coverage may not seem like a big deal at first, you will feel differently if you end up in an accident with a driver who has no insurance.