Auto accidents in Texas are rarely simple matters. The claims process can overwhelm you and sorting out who is responsible for what is complex. Situations that involve an uninsured motorist are even more challenging. At Jon Michael Smith, we often help clients file lawsuits against negligent drivers and submit claims to their own insurance company.

NerdWallet reports that uninsured motorist protection can save you from paying for medical bills that result due to a car accident you did not cause. You may also recover the cost of pain and suffering, lost wages and other damages. An additional option called uninsured motorist property damage coverage pays for vehicle repairs.

This type of coverage is optional in Texas. Although the law requires that drivers have auto insurance, approximately one in eight drivers does not carry any. Liability insurance protects your vehicle if the accident occurs as a result of your actions, uninsured motorist coverage protects the same assets when another driver causes the wreck. Typically, UMBI is less expensive than liability coverage, making it an economical option.

Your health insurance may pay for medical care after a crash, but it can become complicated if the at-fault driver has auto insurance coverage. If the other driver’s insurance sends you reimbursement for injuries, your health insurer can demand a portion of it, if they already covered some or all of the medical bills.

It is a good rule of thumb to have uninsured motorist protection with at least the same amount of coverage as your liability insurance. An experienced insurance litigation specialist can help you file a claim to recover the amount of insurance money owed to help you recover from your crash. Visit our webpage for more information on this topic.