Auto Accidents

Uninsured Motorist Coverage is a Must

Despite statewide Texas laws requiring that all Texas drivers display proof of insurance to renew drivers’ licenses and license plates, millions of Texas motorists still lack car insurance. In fact, the most recent figures from the Texas Department of Insurance indicate that roughly 22 percent of the 17 million vehicles registered in the state are uninsured. This means that one out of every five drivers have no insurance; in San Antonio and the surrounding area, that rate is closer to one out of every four drivers.

This ratio makes up a surprising amount of drivers encountered during a daily commute to work, or perhaps even a simple trip to the grocery store. In Bexar County, the number is even slightly higher than the city proper, with some 262,160 automobiles being operated without insurance, which comprises 23.29 percent of the total number of cars registered in Bexar County. When one of these irresponsible drivers ruins your day, make sure you know an attorney you trust.

The Importance of Protecting Yourself

Every time you get in your car, you put yourself out on the road with under-qualified and uninsured motorists. At the same time, you are putting yourself at risk of a road related mishap that may involve any of these uninsured drivers. That’s why uninsured motorist coverage is a must, especially in an ever-growing metropolis like San Antonio.

All of the aforementioned statistics, which are simultaneously accurate as well as unfortunate, come directly from the expansive database established through the joint efforts of the Texas Department of Insurance, Department of Transportation, and Department of Public Safety. This data is computed from every registered vehicle’s profile in the state, which references and tracks license plate numbers, vehicle identification numbers, and liability insurance policies. A review of the statistics indicates that every single county across Texas – 254, to be exact – claims uninsured vehicle statistics in at least the double-digit percentile.

To put this in perspective, Kenedy County, a rural county south of Kingsville, contains 319 registered vehicles, as well as the state’s highest percentage of uninsured motorists, standing at 46 percent. That means that almost half of all cars driving within Kenedy County are uninsured. These estimates may not be far off for many other sections of Texas as well.

The numbers are staggering. The truth of the matter is that uninsured motorist coverage is a must. Fortunately, the San Antonio attorneys at Carabin & Shaw are here for you. Our experienced lawyers have over 20 years of experience with implementing all viable resources in the fight to obtain recompense for victims of collisions involving uninsured motorists.

Don’t Pay for Others’ Costs

From the perspective of the uninsured, a ticket for lack of insurance can result in a fine of up to $200, plus a $250 annual surcharge for three years if you are caught in an accident and subsequently exposed as an uninsured driver. Picking up another citation for driving without insurance within three years of the first violation results in an additional $250 a year.

For the general cost of car insurance, the possibility of these continual expenses and other inconveniences is simply not worth the risk. All too often, though, many people still make this mistake. Don’t let their mistake become your problem. The good news is that through it all, the lawyers at Carabin & Shaw will be there for you.

If you drive frequently, uninsured motorist coverage is a must to protect yourself in the event of an accident with another driver lacking proper insurance. Thankfully, there is a Carabin & Shaw San Antonio uninsured motorist coverage lawyer ready to take on your case. Call the attorneys of our San Antonio offices today at 210.222.2288, or toll-free at 1.800.862.1260. You’ll be glad you did.

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