Uninsured/Underinsured Motorist and Personal Injury Protection

Weatherford Car Accident Lawyers
Motorcycle Accident Attorneys · Truck Crash Law Firm

REVIEW YOUR OWN AUTOMOBILE INSURANCE POLICY NOW. Do you have Uninsured/Underinsured motorist coverage (UM/UIM) and Personal Injury Protection (PIP) coverage? This kind of protection is one of the most important parts of your policy and possibly the best insurance you can buy to protect you and your family. According to DPS, approximately 20 percent of the drivers do not carry mandatory liability insurance. If you are injured in an accident caused by one of these drivers, you won’t be reimbursed without this coverage.

UM/UIM coverage protects you, your family members, passengers in your vehicle, and others driving your vehicle with your permission. It will pay, up to your policy's dollar limits, your expenses from an accident caused by an uninsured motorist of if the driver was underinsured and did not have enough insurance to cover your bills/damages. It also pays for accidents caused by a hit-and-run driver if you reported the accident promptly to the police.

PIP coverage protects you, your family members, and passengers in your vehicle, regardless of who caused the accident. It will pay medical and funeral bills arising from accidents, including those in which the victim was a pedestrian or a bicyclist, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.

Texas auto liability minimums are 20/40/15. That’s $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $15,000 for damage you cause to the other party’s property. Insurance experts recommend carrying higher levels of coverage.

How much coverage do you need? Consider carrying the same limits as your liability coverage. It makes sense to protect yourself and your family as much as you protect other drivers on the road. Common sense tells you a single family member who requires intensive care unit hospitalization for even just a few weeks, will cost hundreds of thousands of dollars before you even consider long-term care, future disabilities, and loss of earnings.

Call your insurance agent now. You will be amazed at the amount of coverage you can buy to protect yourself and your family for a small premium. Ask them to at least give you quotes for $1 million or even $2 million in UM/UIM protection and $10,000 in PIP coverage for your family.

Free initial consultation in all personal injury and wrongful death cases.