Posts
Assume that you are operating your motor vehicle in a reasonable manner, showing due regard for your safety and the safety of other motorists. At a time that you enter into a busy intersection through a green light, you are unexpectedly struck by a speeding motorist who was driving in a different direction and who failed to stop at a red light. In the crash, you suffer a broken leg. You are taken from the crash scene by ambulance to the nearest hospital where your leg is set and casted. Medical bills associated with your injury are $15,000.00. On top of that, you have $12,000.00 in damage sustained to your vehicle. Due to your injuries, you will be required to miss work for about six (6) weeks...which means you will be receiving no paycheck during that time period.
In a circumstance such as this, one would expect that the at-fault driver, the individual who failed to yield the right-of-way at a red light, would be liable for your damages. Shortly after the crash, however, you learn that the at-fault driver’s liability insurance has lapsed because he failed to timely pay his premiums. In a nutshell…the driver that caused the crash, injured you, deprived you of a paycheck, and ruined your vehicle is UNINSURED. Very often, the at-fault driver that has no insurance also has no attachable assets that can be obtained to help reimburse you for your losses.
This, sadly, is a reality for countless people who are injured because of someone else’s negligence. Statistics show that approximately 25% of all motor vehicles being driven on public roadways actually have no liability insurance coverage at all. This is true despite strict laws that require that all motor vehicles be covered by liability insurance. Uninsured and underinsured motorist coverage can pay for injuries, harm, and damages suffered by you and your passengers when there is an accident and the at-fault driver is considered “uninsured” or “underinsured.” As the terms state, an “uninsured driver” is someone who did not have liability insurance; an “underinsured driver” is someone who maintained liability insurance, but failed to maintain sufficient liability insurance limits to pay the full amount of damages caused in the crash.
Uninsured/Underinsured coverage is not required in Texas. All automobile insurers in Texas, however, offer this type of coverage. Uninsured/Underinsured coverage is generally relatively inexpensive to add to your existing liability coverage, especially considering the amount of protection that it provides. It can pay medical bills, property damage, lost wages, and pain/suffering. Considering the staggering statistics that 1 in 4 vehicles on the road are uninsured…uninsured/underinsured coverage should be a must. Very often, if you are involved in any motor vehicle crash, this type of coverage can literally save you and your family from difficult hardships. If you do not now possess this type of coverage, call your insurance agent now to secure it.
The attorneys at The Stewart Law Firm know the particulars about uninsured/underinsured insurance coverage. If you have any question regarding an insurance claim, call The Stewart Law Firm for a free consultation. The Stewart Law Firm can be reached, toll-free, at (877) 326-0411. Our address is: 3000 South, IH-35, Suite 150, Austin, TX 78704. Visit our website at: http://www.thestewartlawfirm.net/. Cases handled by The Stewart Law Firm include catastrophic personal injury, wrongful death, motor vehicle crashes, commercial vehicle crashes, and defective products.
In a circumstance such as this, one would expect that the at-fault driver, the individual who failed to yield the right-of-way at a red light, would be liable for your damages. Shortly after the crash, however, you learn that the at-fault driver’s liability insurance has lapsed because he failed to timely pay his premiums. In a nutshell…the driver that caused the crash, injured you, deprived you of a paycheck, and ruined your vehicle is UNINSURED. Very often, the at-fault driver that has no insurance also has no attachable assets that can be obtained to help reimburse you for your losses.
This, sadly, is a reality for countless people who are injured because of someone else’s negligence. Statistics show that approximately 25% of all motor vehicles being driven on public roadways actually have no liability insurance coverage at all. This is true despite strict laws that require that all motor vehicles be covered by liability insurance. Uninsured and underinsured motorist coverage can pay for injuries, harm, and damages suffered by you and your passengers when there is an accident and the at-fault driver is considered “uninsured” or “underinsured.” As the terms state, an “uninsured driver” is someone who did not have liability insurance; an “underinsured driver” is someone who maintained liability insurance, but failed to maintain sufficient liability insurance limits to pay the full amount of damages caused in the crash.
Uninsured/Underinsured coverage is not required in Texas. All automobile insurers in Texas, however, offer this type of coverage. Uninsured/Underinsured coverage is generally relatively inexpensive to add to your existing liability coverage, especially considering the amount of protection that it provides. It can pay medical bills, property damage, lost wages, and pain/suffering. Considering the staggering statistics that 1 in 4 vehicles on the road are uninsured…uninsured/underinsured coverage should be a must. Very often, if you are involved in any motor vehicle crash, this type of coverage can literally save you and your family from difficult hardships. If you do not now possess this type of coverage, call your insurance agent now to secure it.
The attorneys at The Stewart Law Firm know the particulars about uninsured/underinsured insurance coverage. If you have any question regarding an insurance claim, call The Stewart Law Firm for a free consultation. The Stewart Law Firm can be reached, toll-free, at (877) 326-0411. Our address is: 3000 South, IH-35, Suite 150, Austin, TX 78704. Visit our website at: http://www.thestewartlawfirm.net/. Cases handled by The Stewart Law Firm include catastrophic personal injury, wrongful death, motor vehicle crashes, commercial vehicle crashes, and defective products.
0 comments:
Post a Comment