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Villarreal & Begum Last Updated Date: May 23rd, 2023

Why You Need Uninsured Motorist Coverage

car steering wheel and dashboard, shot over driver's shoulder

With insurance, you need to cover all your bases, including those who aren’t as prepared as you. There are many drivers with no insurance at all. Even though car insurance is required to drive legally in the United States, sadly, about 1 in 8 drivers has absolutely no coverage.

Fortunately, the majority of people on the road are covered with simple liability insurance at least. But that still leaves that notable 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 Uninsured Motorists are a Problem for Insured Drivers

Let’s be clear about the ways uninsured motorists can become a big problem for those who drive legally. If you are ever involved in an auto accident with an uninsured motorist, you get 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:

  1. Uninsured motorist property damage coverage takes care of all damages to your automobile. However, it will not cover bodily injuries sustained during the accident.
  2. 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 Texas Car Accident Lawyer

Uninsured motorist coverage is highly recommended in Texas; however, many people do not have it. If you get injured by one of those uninsured drivers and do not have uninsured motorist coverage, you will be 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 an Austin car accident attorney who can help recover damages from the individual.

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” are 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.