Auto Liability Insurance and You: The Benefits of Uninsured and Underinsured Motorist Coverage

Being involved in an auto accident is an unfortunate, stressful event. Even the most minor car crashes can cause serious injuries to drivers and passengers, as well as significant property damage. While the state of Texas requires all motorists to carry auto liability insurance, policies vary widely in what they do and do not cover. This is why it is a good idea to talk to your insurance carrier about adding uninsured or underinsured motorist coverage to your own policy.

What is Uninsured Motorist Auto Insurance?

If you are involved in a car accident with another driver who does not have an active auto insurance policy on his or her vehicle, you will be responsible for any out-of-pocket and deductible costs for repairs to your vehicle. More importantly, you will have to pay for emergency transport, treatment, and any additional medical care you and your passengers might need as a result of the accident. Adding an uninsured or underinsured motorist policy to your current auto insurance plan will protect you and your loved ones from footing the bill for an accident caused by someone else.

Does your plan include uninsured/underinsured motorist coverage?

Your auto insurance company should have provided a complete breakdown of coverage and protections when you purchased your policy. Take a quick look and see if uninsured/underinsured motorist coverage is already a part of your plan. If you do not have this particular coverage, or if you are unsure, call your agent and explain to them that you want this type of insurance coverage added to your policy.

Car Accident and Insurance Claims Attorneys

If you or a loved one has been involved in an auto accident, and you are unsure about what damages and injuries your auto insurance covers, the attorneys Gutierrez Law Firm can help. We have experience in handling car accidents and insurance claims and disputes throughout South Texas. Please contact us for a free consultation today.