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What are the minimum requirements in Texas for UM or UIM?

On Behalf of | Sep 6, 2023 | Car Accidents |

Nothing is quite as discouraging as suffering the consequences of the reckless or negligent actions of another person. As a Texas driver, you know that motorists often engage in behaviors that could place you or someone else at risk of injury. This includes distracted driving, drunk driving, aggressive driving, speeding and more. If you suffer injuries, property damage or other types of consequences because of these types of actions, there are options available to you for recovery. 

One of the most important things that protects your interests is insurance. If another driver is at fault for an accident that caused you pain and suffering, his or her insurance policy may cover your losses and other damages. However, some drivers do not have the required insurance. It is critical that each Texas driver have the proper amount of insurance coverage, including uninsured or underinsured motorist insurance coverage. 

Coverage for all your needs 

You may be a responsible driver who has the proper amount of insurance required by law, which is the amount of insurance necessary to cover any accidents caused by the driver. However, that does not mean that other drivers do, and you could end up with a bill for an accident that others should pay. It is common for drivers to have liability insurance, which pays for any accident damages caused by the policy holder.  

If you are in an accident caused by a driver who does not have the required coverage, you could end up with expensive bills that you cannot afford. That is why many drivers have uninsured motorist coverage. This provides you with protection and offers you a way to recover your accident losses in case of a contingency. It is in your interests to know what is in your policy, what it covers and what to do in the event of an accident. 

Protecting your interests after an accident 

You do not have to struggle with the aftermath of a motor vehicle accident alone. You will benefit from seeking an understanding of how you can hold the responsible parties accountable for what you experienced, and you can pursue the full amount of recovery you need and deserve from insurance. As it is difficult to navigate the insurance claims process, you might find it helpful to seek professional guidance as you move forward.