Do I Have Enough Insurance?

Recently, tennis phenomenon and all-time great Venus Williams was involved in a tragic motor vehicle collision that took the life of one of the motorists that was involved. When the story was initially reported, news incorrectly circulated that Ms. Williams was at fault for the collision, and was responsible for the death of the other motorist. While everyone’s first concerns are with the person who was fatally injured, it is important to realize that car accidents can change lives in an instant and that it is important to be properly insured to ensure that, if you are ever responsible for a collision, there is adequate insurance to cover the event. Luckily, after further review, it was found that Ms. Williams was not at fault of the collision. If it was in fact concluded after the initial reports that Ms. Williams was, in fact, responsible for the collision and subsequent fatality, Ms. Williams may have been exposed to the possibility that she was underinsured, meaning she didn’t have enough injury to cover the damage she caused to property or otherwise, in this case, bodily injury that resulted in the death of the other motorist. If Ms. Williams did not have the proper insurance to cover the event, she would have been held personally responsible for the amount of damage that exceeded her policy limit. An example like this should be a reminder to all, that it is important to make sure you have proper liability limits, as well as underinsured motorist coverage, and PIP protection.

Liability Insurance- this is the auto insurance coverage you need to cover a bodily injury or property damage you may cause another person when operating your motor vehicle. The amount of coverage or limits is determined by the state you live in. Make sure your insurance policy covers at least what is required as a minimum in your state!

Underinsured/Uninsured motorist coverage- This is the auto insurance coverage you need when someone causes bodily injury or property damage to you while operating their vehicle, but they do not have enough insurance, or any insurance at all, to cover your damage. It is important to make sure your auto insurance policy package includes this supplemental coverage.

PIP- PIP, or personal injury protection, is a no-fault coverage that can be added to an insurance policy to take care of medical bills associated with a collision a person was involved in, regardless of if they were at fault of the collision. This is important to coverage to have to make sure your medical bills can be addressed to a certain degree, whether or not you were the reason for the collision.

It is important to know if you are properly insured if you were involved in a motor vehicle collision. The attorneys at Herrman & Herrman PLLC are always on standby to help! Contact Herrman & Herrman PLLC, located at 1201 Third St., Corpus Christi, Texas 78404 or 801 E. Fern Ave., McAllen, Texas 78501. If you have any questions about a potential claim or would like to sit down for a consultation and discuss your issue, please contact us immediately. At Herrman & Herrman PLLC, we always strive to put our clients, first!

*This blog is for informational purposes only and is not intended to, and should not be construed as legal advice.

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