Do I need uninsured motorist insurance coverage in case I'm in a wreck in Katy, TX with another car?

A:

It couldn't hurt. Although Texas mandates that all drivers carry minimum liability insurance coverage in case they're involved in collisions, many people ignore this mandate. Texas leads the nation in drunk driving accidents. Drivers who drink irresponsibly and then choose to drive often act irresponsibly in other ways too. For instance, many of them don't have insurance coverage or even valid driver's licenses. And they also don't possess much in the way of assets that will pay for your injuries and car damage after the wreck.

If you have uninsured motorist coverage through your own insurance policy, that coverage will help cover the shortfall between the costs of your Katy, TX car accident and what the other driver can pay. As experienced Katy, TX car accident lawyers, we will tell you that one of the key ingredients for a successful accident claim against a driver whose negligence has injured you is a solvent defendant. If your defendant possesses no assets and no insurance coverage, you're left to pay the costs of the car crash on your own.

We all hope to avoid car accidents. But sometimes they do happen. And in Texas, a drunk driver's poor judgment frequently presents the cause. Accidents cost their victims money. Texas drunk driving accidents generally cost more than those caused by sober drivers. So, to be on the safe side, you may want to add uninsured motorist coverage to your own car insurance policy if you don't have it already. A few extra dollars per year for the coverage may save you thousands later on if you have the misfortune to suffer a Katy, TX car accident at the hands of a drunk and insolvent driver.

Call us now at (877) 307-9500 for a free legal consultation to discuss your Katy, TX accident case. We will also give you a free book on making a valid accident claim in Texas!