When Texas drivers take to the road, they most likely are not thinking about each and every risk associated with driving. While most motorists drive safely on the roadways, this does not rid the roads of accidents. Thus, when an automobile collision occurs, a motorist is likely shocked, as they are dealing with the physical, emotional and financial pain that the incident caused them. What can be even more shocking is when the motorist that caused the crash is not insured or is underinsured.
Uninsured motorist insurance
Under state law, every motorist is required to have a minimum amount of car insurance. Thus, even when a driver does not have money or the means to cover the damages caused by an accident, an insurance company will be required to pay for an accident that is his or her fault. This is known as liability coverage.
However, even when it is required to carry this form of auto insurance, not all drivers comply with this requirement. This leads accident victims to question what will occur if the driver does not carry the minimum coverage or any coverage at all and is at fault in the accident. This is where uninsured motorist insurance can come into play.
Making a claim
If a motorist elected to get uninsured motorist coverage, then this will kick in when it comes to seeking damages from a motorist that is underinsured or uninsured. These claims can be filed in one of three situations. The first situation is where a driver is uninsured and caused the accident. The second is when the driver at fault is underinsured. This means that their insurance company paid too little to cover the damages caused by the accident. The final situation is when an accident victim is involved in a hit and run accident.
The aftermath of an accident can be overwhelming and confusing. Emotions are high as an accident victim attempts to navigate the matter. While an uninsured motorist can make one feel helpless, it is important that one notes the ability and rights associated with an uninsured motorist insurance claim. Doing so could help one address the pain and suffering and damages caused by the accident.
