In our state, driving without proper insurance coverage is illegal and carries severe consequences. This post explores how Texas deals with uninsured and underinsured drivers, the penalties they face and the options available to car accident victims.
Uninsured and underinsured drivers: the Texas perspective
State law requires insurance companies to offer uninsured and underinsured motorist coverage, although it is not automatically included in standard policies. Drivers must actively choose and pay an additional premium for this coverage. UM/UIM insurance is vital as it protects you if you are involved in a car accident with a uninsured or underinsured driver.
Consequences for uninsured or underinsured drivers
Driving without insurance here can lead to severe penalties. Offenders may face significant fines, license suspension and even imprisonment. Additionally, uninsured drivers are personally liable for any damages they cause in a car accident. Repeat offenses can result in harsher penalties, including vehicle impoundment.
Options for car accident victims
If you are in a car accident with an uninsured or underinsured driver, you have several options to seek compensation. The most straightforward approach is to file a claim with your own insurance under your UM/UIM coverage. This type of claim helps cover the costs that the at-fault driver’s insufficient insurance cannot.
Another option is to sue the at-fault driver personally for damages exceeding their insurance coverage. However, this route can be complex and may not always result in full compensation, especially if the driver lacks substantial assets.
Conclusion
Dealing with accidents involving uninsured or underinsured drivers can be challenging. Knowing your rights and the available options can help you navigate these difficult situations. It is crucial to ensure you have adequate UM/UIM coverage to protect yourself against potential losses from accidents with drivers who lack sufficient insurance.
By understanding Texas’s approach to uninsured and underinsured drivers, you can make informed decisions about your insurance needs and legal options following an accident. Stay protected and informed to handle any unexpected incidents on the road effectively.
