We are frequently asked what is UM/UIM coverage.
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.
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 $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.
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 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. 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.