If you’re a driver, you must know all your insurance options. According to a 2021 report from the Insurance Research Council, about one in eight drivers drives without insurance coverage. The bad news is that if any of this one in eight drivers gets in an accident with you. You may incur hefty fines and could be out of luck on getting any payment from their insurance, as they do not have any. The good news is that there is a coverage option that protects you from those who do not retain auto insurance: uninsured motorist coverage.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is a coverage option that pays for medical bills and expenses for you and your passengers if you are struck by a driver who does not have liability car insurance. You do not have enough liability car insurance, or if their insurance company denies coverage or goes out of business. It’s a contingency plan for those in an accident with someone who cannot obtain insurance coverage. It can pay for medical bills, funeral expenses, pain, and suffering as defined by your state’s laws lost wages, and can pay for car damages in some cases.
Types of Uninsured Motorist Coverage
There are several different types of uninsured motorist coverage. Each of which comes with varying coverage levels if you are in an accident. Insurance companies offer uninsured motorist bodily injury coverage (UM or UMBI). This coverage pays out when an uninsured, at-fault driver causes an auto accident. There is also uninsured motorist property damage coverage (UMPD). This covers your car’s damage if someone without insurance hits and damages it. There are also two uninsured motorist coverage variations called underinsured motorist bodily injury (UIM or UIMBI) and underinsured motorist property damage (UIMPD). These are the counterparts to their uninsured variations. These last two types of coverage payout when a driver does not have enough liability insurance to cover the damage.
If you are hit by someone uninsured, it’s not the end of the road for you. Even if someone in an accident is underinsured, there are coverage options. Options that you can get that can kick in to assist with costs associated with the accident.
CONTACT HERRMAN & HERRMAN IF YOU HAVE BEEN INJURED IN ANY OF THE FOLLOWING TYPES OF ACCIDENTS:
We can help you if you have been harmed by the following:
- Car accidents – Our lawyers have extensive experience handling car accident cases. We will work to identify the party or parties at fault for the crash and build a case to demonstrate persuasively how the parties caused the accident and your injuries. We will seek fair and full compensation through a negotiated settlement or at trial if necessary.
- Truck accidents – Thousands of large commercial trucks travel the roads of Texas every single day. Unfortunately, careless truck drivers and trucking companies disregarding safety put innocent people at risk of serious injuries. If you’ve been injured in a truck accident, let our experienced Texas personal injury lawyers stand up to the trucking companies and insurers on your behalf.
- Motorcycle accidents – Motorcycle riders often suffer grievous injuries in crashes caused by other motorists. Too many motorcycle accidents in Corpus Christi are caused by careless drivers who don’t look for motorcycle riders or violate their right of way. Our personal injury lawyers will work to cut through the bias and stigma against motorcycle riders. Our goal is to seek the financial compensation that you’ll need to recover from a serious motorcycle accident and injuries such as bone fractures, road rash, or traumatic brain injury.
- Product liability – Product manufacturers have a legal obligation to make products that are safe for their intended uses and to warn consumers of any risks that may come with the product. When products have design or manufacturing defects or undisclosed dangers, the product manufacturer may be legally responsible for injuries suffered by consumers. Our attorneys can help you evaluate whether you have a valid product liability claim.
- Brain injury – Brain injuries can leave accident victims with disabilities that leave them unable to work or perform many tasks of daily living. Seeking compensation for a brain injury in an accident often proves incredibly complex. The brain injury survivor may seek compensation for anticipated future medical care and the medical care already provided. Our personal injury lawyers can help you through the difficult recovery process following a brain injury and will fight to make sure you have the resources you need.
- Spinal injury – Spinal cord injuries could cost millions of dollars of care over the course of the victim’s lifetime, especially when those injuries result in partial or complete paralysis, such as paraplegia or quadriplegia. If you or your loved one has suffered a spinal cord injury, you deserve compassionate legal representation. Our attorney can help you determine whether you may be entitled to claim compensation for your injury and expenses related to living with the disability, such as making a home more accessible.
- Wrongful death – If you have lost a loved one due to the negligent or reckless actions of another party, your family deserves to seek accountability and compensation from those at fault for the wrongful death. Our caring and dedicated attorneys can help guide you and your family through this difficult and painful time and seek justice for your loved one.
