September 19, 2023 | Firm News
Advice from a Fort Worth Injury Attorney
Being involved in a car accident can upset your life, especially if the at-fault driver has no insurance. Here in Texas, around one in five drivers are uninsured. Without insurance, you may have no way to recover damages like medical bills, lost income, or pain and suffering after a crash. That’s why having Uninsured Motorist (UM) and Personal Injury Protection (PIP) coverage on your own policy is so crucial.
As a Fort Worth personal injury attorney, I always advise drivers to carry more than just basic liability insurance. Though Texas only requires a minimum of 30/60/25 liability coverage, you need extra protection in case an uninsured or underinsured driver hits you.
Uninsured motorist coverage will cover injuries, vehicle repairs, and other losses up to your policy limits if the at-fault driver has no insurance or not enough insurance. It can be the difference between receiving fair compensation or being left to cover all costs yourself.
PIP pays for initial medical treatment and lost wages after an accident regardless of fault. This means your medical bills get paid promptly while liability for the crash is still being determined. PIP gives accident victims faster access to health care.
Without these supplemental coverages, you could be saddled with thousands in unreimbursed damages – or need to pursue legal action against the at-fault driver to recover costs. That’s not a situation you want to be in, especially if they have few assets.
Protect yourself today by discussing uninsured motorists and PIP options with your insurer. The extra premium is minor compared to the risk. If you need help navigating insurance claims or pursuing compensation after an accident, our attorneys are here to help. Call Tom Hall at our Fort Worth office at 817-831-6100 for a free case review.