We are frequently asked what is UM/UIM coverage, Here are the details.
UM Stands For Uninsured Motorist Coverage
Uninsured motorist coverage comes into play when you or your family gets hit by a driver that doesn't have insurance coverage. Unfortunately, even though it is the law, 20% of all drivers in Texas don't have insurance. Uninsured motorist coverage also comes into play when you are involved in a hit-and-run. This is where you get hit by another vehicle but the other vehicle drives off and you can't find them. This is a nightmare for the injured party because now they have to deal with the reckless behavior of the uninsured driver. It is painful enough to be involved in accidents and catering to your injuries there after, but also having to take on the reality that you may have to pay for your own injuries even though it was the other parties fault is just wrong. The link below will show you the options you have to remedy this problem and should really better help guide you along the way.
Check out our article on What Happens If The Other Driver Doesn't Have Car Insurance.
UIM Stands For Underinsured Motorist Coverage
Underinsured motorist coverage comes into play when you or your family gets hit by a driver that doesn't have enough insurance to cover the damages that y'all sustained. For example, we have seen clients come in the door that have amputations, brain injuries, and spinal surgeries, but the other driver only has a $30,000 insurance policy. $30,000 is the bare minimum in Texas, and it is not enough to cover the care and impact for a brain injury. This is where underinsured motorist coverage kicks in. Driving is a beautiful thing and it solves so many problems, but it can also be extremely dangerous. The number of lives that are lost each day is unbearable to imagine. Some times accidents just happen and we have to just chalk it up to that, but there are also many cases where the accidents are due to reckless behavior. Knowing all the facts on car wrecks and the life changing aftermath, one must ask themselves if insurance minimum in Texas should be raised to prevent issues like these from happening. Making sure that you have UM/UIM insures that you will be covered and is the best way to avoid facing a situation where you have to pay for being injured.
Make Sure You Have It
Most people opt out because they say "I'll never need it". However, all of my clients that have come in my door immediately start calling their insurance agent and requesting that UM/UIM be added or increased. You should not be any different. This can protect you when you get hit by an uninsured driver or a minimum policy driver. The importance of having this wont seem that big of a deal until you or a loved one is faced with these circumstances and are left to figure things out on your own. Taking these precautionary steps and covering your back is not only a smart thing to do but should be your priority. We have seen some unbelievable cases that could have been a different outcome had UM/UIM been placed. It is always easy to say " I drive safe" or " I have never been in a wreck so I don't need it". Well we all hope that continues for all of these people's statements, but the truth of the matter is, its not always about how you drive and accidents happen daily. Protect yourself and try not to fall into the unfortunate statistic. Get UM/UIM, you will be glad you got it.
What Can The Button Law Firm Do To Help?
If you have recently been in a car accident, please feel free to download our free consumer guides on car wrecks.
We created these to make sure you and your family are informed about your rights. If you have any other questions after checking out our legal library on car wrecks, give us a call at 214-888-2216. We'll love to answer those for you. You can also fill out our Contact Us form.