Texas drivers often have to worry about getting into an accident with uninsured drivers and all of the financial difficulties that come with the repairs and any injuries that result. Those with Uninsured/Underinsured Motorist Coverage purchase these policies in order to be protected from such possible problems. These policies (UM/UIM) work to insure the victim of a motor vehicle accident that if the other driver was not insured or insured adequately, they will receive up to the amount of damages they would have been able to collect from the person had they been insured.
With UM/UIM coverage, the basic requirement is that the injuries and damages arise from a motor vehicle accident. The state has held that incidences like drive-by shootings or contact with city property do not qualify as compared to simple fender-benders or collisions. However, what is included through UM/UIM coverage is hit and run collisions where the vehicle’s operator or owner cannot be identified. This specific inclusion of unknown perpetrators nets for policy owners a halo of protection that involves almost every vehicle on the road.
Whether driving in Houston or Riverside, Texas, auto insurance and coverage is crucial to guarantee that, when an accident occurs, your vehicle can be fixed and any injuries can be paid for. In the event that the person whose car hits you is either underinsured, not insured at all or unknown, UM/UIM insurance works to protect drivers.
If your insurance company is refusing to pay your claim under UM/UIM insurance, call the Berniard Law Firm Toll-Free at 1-866-574-8005 to have an attorney inspect the incident and your insurance paperwork and give you the legal advice you need.