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Why Should I Use My Insurance If the Car Accident Wasn’t My Fault?

Navigating the bustling roads of Corpus Christi, Texas, under the warm embrace of a summer morning, you anticipate a day filled with family and joy. Your beach bag is packed, the family is in the car, and even your pup is along for the ride. Suddenly, and with no warning, your idyllic drive is interrupted as your vehicle is struck from behind. The once joyous atmosphere now turns chaotic, with cries from the children and the barking of your startled dog filling the air. Your plans for a day of fun quickly unravel, replaced by the need to rush everyone to the hospital, all because of someone else’s negligence.

What If The Driver Does Not Have Insurance?

In the aftermath, you discover that the driver responsible for the collision lacks insurance. The question echoes in your mind, “What should I do?” Fortunately, you had the foresight to secure Uninsured Motorist coverage, and your attorney assures you that your insurance will step in to cover the damages. Yet, a lingering question persists among many clients: “Why should my insurance bear the burden when the other party was uninsured?”

UM/UIM Car Accident Cases Are Very Common

As a seasoned personal injury attorney in Corpus Christi, TX, I encounter scenarios like this on a daily basis. Clients often grapple with confusion over why their own insurance company is left footing the bill. The reassurance I provide is rooted in the fact that these clients have been consistently paying an additional premium to their insurance provider precisely for this kind of unforeseen circumstance. Without this coverage, they would be left to shoulder the financial burden of medical bills and rehabilitation costs stemming from an accident that was not their fault.

Why You Should Be Sure To Have UIM/UM Auto Insurance Coverage On Your Vehicle

While the inclination might be to opt-out of Uninsured Motorist coverage, deeming it unnecessary if one never anticipates using it, a closer examination reveals its indispensable value. Once clients comprehend the purpose of this coverage, understanding that it shields them from the financial aftermath of an accident caused by an uninsured motorist, a sense of gratitude and relief often follows.

The prevalence of uninsured motorists on our roads is an unfortunate reality. Our legal system, arguably, lacks the stringent measures required to deter such behavior, contributing to the escalating problem. Surprisingly, it’s a rarity for me to encounter cases where an uninsured driver faces consequences through citations for their lack of insurance. In such an environment, the best advice I can offer to anyone is to prioritize comprehensive protection when traversing the roads.

Acquiring Uninsured/Underinsured Motorist coverage serves as a proactive shield against the financial pitfalls associated with accidents caused by uninsured drivers. It acts as a safety net, ensuring that your vehicle and your financial well-being are safeguarded in situations beyond your control. The investment in this coverage is not merely a financial transaction; it is a strategic decision to shield yourself from potential financial turmoil arising from the negligence of others on the road.

Get A Texas Personal Injury Accident Lawyer For Your UIM/UM Claim

While the prevalence of uninsured motorists poses a considerable risk, arming yourself with the right insurance coverage can provide a crucial layer of protection. The decision to obtain Uninsured/Underinsured Motorist coverage is an investment in your peace of mind and financial security. If you find yourself grappling with the aftermath of an accident involving an uninsured motorist, consider reaching out to legal professionals who specialize in personal injury cases. At Herrman and Herrman, we stand ready to guide you through the complexities of such situations, ensuring that your rights are protected and you receive the compensation you deserve. Don’t wait until it’s too late—call Herrman and Herrman today and take the first step towards securing the justice and compensation you rightfully deserve.


With over 100 years of combined experience among the legal team of Herrman & Herrman, P.L.L.C., our Texas personal injury attorneys have successfully resolved over 20,000 cases. When representing injured Texas residents, we fight for justice against wrongdoing and aggressively pursue the best resolution to complex personal injury claims.

If you or a loved one was injured, please contact us for a free initial consultation and case evaluation. Herrman & Herrman, P.L.L.C., is a locally based law firm focused on holding negligent individuals and companies accountable for their wrongdoing. We are not a personal injury mill that advertises nationwide. We provide individualized advocacy in attending to all aspects of claims that involve. Our firm has offices in the following locations: Corpus ChristiCorpus Christi South SideBrownsvilleMcAllenSan AntonioHouston, and Ft. Worth, TX.

We remain by our clients’ side, handling all aspects of their claims and attending to all legal, medical and financial needs. That dedication is combined with experience, legal knowledge, and insight from a former insurance adjuster and several former insurance defense attorneys. Whether our clients are suffering from physical pain from an accident or the emotional grief of death, we treat clients with compassion. We put their mind at ease during difficult times by answering their questions concerning the length of their claim, medical bills, financial compensation and their overall need for a lawyer.