Automobile Accidents and Under- or Uninsured Drivers

Automobile accidents can be a big enough headache as it is, but combine an accident with an under- or uninsured driver, and things can seem to get quickly out of control. While it's Texas law that all drivers must have valid insurance, that doesn't mean that all drivers actually have that insurance. And even then, the minimum required liability coverage is only $25,000, which can be a tiny amount when repair and medical bills begin piling up and you are unable to work due to head, neck, back or other injuries from an accident. So what should you do if you're involved in an automobile accident with someone with not enough insurance or no insurance at all?

Actually, there is something that Texas drivers can do before ever finding themselves in this situation, which is take advantage of Texas' Uninsured/Underinsured Motorists Coverage (UM). By law, Texas automobile insurers have to offer this coverage, and it protects you from this very situation. Most drivers are unaware that they even have this coverage, and are uninformed about how it works or how to get the benefits from it. This is where an experienced and knowledgeable attorney like those at Polewski & Associates can help you navigate these confusing waters.

Unfortunately, those with too little or no insurance are often unable to pay for the damage they cause in accidents, so once the accident occurs, the fully insured party is left with very little recourse. That is why understanding UM coverage and its relation to the law is so important. If you have questions about UM coverage or have been in an accident with someone under- or uninsured, please contact Polewski & Associates for an uninsured motorist lawsuit consultation.