You may think that drivers are legally required to have car insurance when they pass their annual car inspections before they hit the road, but that is not the case. In many states, uninsured or underinsured drivers are sharing the road with motorists who responsibly carry valid insurance.
According to a recent study by the Insurance Research Council, uninsured or underinsured drivers account for up to nearly 30% of all motorists on the road in some states. These drivers are a risk to everyone on the road because each time they drive, they could cause an accident and have no means of paying for the devastating damages that they could cause.
In areas where driving is routine and necessary part of life for many people, guarding yourself in the event of a crash by adding uninsured or underinsured motorist coverage to your insurance policy becomes a necessity.
One way in which you can prevent getting stuck with a mountain of medical and property bills after a crash is to add uninsured motorist coverage to your insurance. This type of coverage, offered by many insurance companies, can provide huge benefits if you are the victim of a crash with an uninsured or underinsured motorist. Uninsured drivers may not be able to pay for the results of an accident, although a good Texas car accident lawyer can help you uncover their assets and other sources of income in court. However, it will be necessary to identify the driver in order to bring such a case. It is no wonder that uninsured drivers are more likely to be involved in hit-and-run accidents in which they leave the scene entirely after a crash because they know they can’t afford to pay.
Adding uninsured or underinsured motorist coverage to your insurance policy can help you with medical bills and repairing your vehicle if you are the victim of a crash with a driver who does not have insurance or whose insurance can’t be tracked down because of a hit-and-run. In hit-and-run accidents in which the driver at fault is never identified, it becomes impossible to bill their insurance for repairs and medical costs.
You can avoid getting stuck with huge costs or a mountain of debt by making sure you and everyone in your household are adequately covered in the event of such crashes. These types of insurance policies can also protect you if you or anyone in your family is the victim of a car crash as a pedestrian.
In the event of any type of car crash, it is wise to consult with a car accident attorney. In hit-and-run crashes, a Texas car accident attorney can often help track down the driver or exhaust all possible resources in the search, including interviewing witnesses and reviewing the police report.
In the event of a car crash with an uninsured or underinsured motorist who has been identified, a car accident attorney is a powerful ally who can help you make sure that you will not be saddled with burdensome medical bills through no fault of your own.
In many of these types of crashes, the best offense is a good defense. Consider whether adding uninsured or underinsured motorist coverage to your policy is worth it to you and your family