Who Needs Personal Injury Protection and Uninsured/Underinsured Motorist Coverage?
Uninsured/underinsured coverage allows you to file a claim for your injuries if you’re in a wreck where the other driver doesn’t have any insurance or doesn’t have enough insurance to compensate you for your injuries. Today, an estimated 20% of Texas drivers don’t carry liability insurance at all. Those who do carry it often have only the minimum policy limits of $20,000.00. Unfortunately, with the high cost of health care, just one surgery could cost you in excess of that minimum $20,000.00 coverage policy. In such a situation, if you haven’t purchased an Uninsured Motorist/Underinsured Motorist Coverage (UM/UIM) policy, you’ll be seriously out of luck.
