Texas Insurance Laws & Underinsured Motorist Coverage - How They Impact Car Accident Victims in San Antonio
Before getting behind the wheel, it’s important to ensure you're prepared for the possibility of getting into an accident. If you are driving in a large city, like San Antonio, the likelihood of a scrape is almost inevitable.
Part of being prepared is making sure that you are up to date on Texas Insurance laws so that you can make the choice that keeps you and your loved ones protected from the undue financial burden of having to pay out of pocket for an accident where you were not at fault.Types of Insurance
While the state of Texas requires all drivers to have liability insurance on their vehicle, known as 30/60/25 coverage, this is often not enough to cover the extent of even a moderately severe accident. This minimal policy provides on $30,000 worth of injury coverage per driver, up to $60,000 of injury coverage per accident, and will for up to $25,000 for damage to your vehicle and other property. Thankfully, you are able to “stack” insurance policies to ensure that you are protected from all possibilities.
Not all policies are created equal, so here are the most valuable types of insurance to add to your existing automobile coverage:Collision Coverage
Collision coverage keeps you from paying for the repairs to any object you collide with: cars, poles, trees, etc. This policy covers damage to your vehicle, even if you are deemed to be at fault. Ask your insurance provider for more information on adding this to your existing policy.
While you will need to pay for a deductible if you choose to file a claim, this type of coverage will cover repairs to your vehicle above the limit of the UIM’s 30/60/25 policy. If you are one of nearly 39,000 annual San Antonio car accident victims, contact a lawyer today.Personal Injury Protection (PIP)
Personal injury protection is built into Texas insurance policies and will cover the cost of you and your passengers’ medical expenses as well as recoup lost wages for recovery. Check your policy today to see if personal injury protection is included in your existing insurance policy.
If you or your loved one have been injured in an automobile accident, contact an attorney right away to increase the chances of an advantageous settlement.Uninsured/Underinsured Motorist Coverage (UIM)
This policy protects you from other drivers’ lack of preparation, and keeps you from paying for it after an accident. While not included in your standard insurance package, this stackable policy is available at several tiers, and will cover the residual costs for medical coverage and property damage up to the amount of your coverage, not the underinsured driver’s.Impact on Your Accident Settlement
If you were not able to protect yourself from underinsured motorists before your accident it’s not too late.
If you are a driver wondering about the San Antonio UIM coverage impact on your claim, contact our team today. The San Antonio auto accident attorneys at Carabin Shaw have nearly 30 years of experience fighting for you to get the settlement you deserve.
If you or your loved one has been in an accident in the San Antonio area involving an underinsured motorist, look to Carabin Shaw’s client reviews to see why our clients trust us to fight for them and then call our toll free number at 800-862-1260.
We are available 24/7 to offer you a free case review and initial consultation in both English and Spanish.
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