Car insurance protects you when involved in a auto accident in Texas. Your liability coverage pays others damages for which you are liable.

Collision and comprehensive auto insurance coverage reimburses for any physical damage that occurs to your own vehicle.

So what happens if you are involved in an accident and the at-fault driver has no insurance or inadequate policy limits?

You could end up paying for damages caused by someone else unless you have added uninsured/underinsured motorist coverage to the policy you purchased from your car insurance agency.

Who Is an Uninsured or Underinsured Motorist?

An uninsured motorist is one who drives without having any car insurance to pay for the damage they may cause.

An underinsured motorist is one who has an auto insurance policy but has not purchased enough insurance to cover all the damage in an at-fault accident.

Motorists who purchase only the state minimum coverage frequently fall into the underinsured motorist category.

How Does Uninsured or Underinsured Motorist Work?

If you are in a car accident, your car insurance agency will determine who is at fault.

According to Texas motorist laws, if the other driver is found to be at fault, they are liable for any resulting damages.

This can be a problem if that driver does not have any auto insurance or enough to cover your injuries and/or the damage to your vehicle.

Regardless of who is at fault, medical bills and car repair bills must still be paid.

Your health insurance may pay; however, they expect to be reimbursed by the at-fault party.

Your car insurance company may pay to repair or replace your car if you carry collision coverage.

Unfortunately, any remaining expenses could be yours to handle if the at-fault driver does not have sufficient coverage to pay for it all.

How Can Uninsured/Underinsured Coverage Protect You?

The one way you can plan ahead and protect yourself if you are hit by an uninsured or underinsured driver is by adding uninsured/underinsured motorist coverage to your auto insurance policy.

This coverage is required in the state of Texas and is also recommended by your car insurance agency.

You have to sign a waiver that you are rejecting this coverage when you apply for auto insurance in Texas.

Uninsured/underinsured motorist coverage will pay your medical bills and vehicle damage expenses when the other driver’s insurance is lacking or insufficient.

Fortunately, adding the coverage to your policy is not expensive.

Last Thoughts About Uninsured Motoroist Coverage

No one wants to be involved in a car accident. If you are, your car insurance policy will protect you financially.

While it’s impossible to know whether another driver has auto insurance, you can reduce your risk by adding uninsured/underinsured motorist coverage to your policy.

It is worthwhile protection that every car insurance agency strongly recommends!

Questions About Car Insurance In Bryan TX?

Jones & Associates Can Help With Auto Insurance!

Call (979) 599-7532!