Katy, TX Injury Lawyers Ask: Do You Know if Your TX Car Insurance Covers You if You're in a Wreck?
Katy, TX injury lawyers remind you that the minimum liability coverage that's required by Texas law only covers people in the OTHER vehicle involved in a wreck that YOU caused. Your liability insurance will pay for their vehicle damage, car rental, medical and/or funeral expenses, lost wages, and pain and suffering up to the limit of your policy.
But that doesn't help you if you're in a car wreck caused by someone else. And it definitely won't help you if that other driver lacks the liability insurance required by Texas law. Even if the other driver has liability insurance, if it's only in the minimum amount required by Texas law, you might still suffer huge financial burdens from your wreck.
Our Katy, TX injury lawyers find that injured accident victims often learn only after an accident how they would have benefited from having uninsured/underinsured motorist coverage. That coverage could pay for their losses from a wreck caused by an uninsured driver or a driver with only the minimum coverage required by Texas law.
Our Katy, TX injury lawyers note that a full 20% of Texas drivers lack the minimum liability insurance required by Texas law. So your chances that the driver of the car that wrecked yours is uninsured stand at 1 in 5.
Injured accident victims also find that they needed personal injury protection (PIP) on their policy to help pay for their medical expenses and lost wages from the wreck
PIP can cover medical expenses for you and for other occupants of your car, plus up to 80% of lost wages from the accident. Adding both types of insurance to your policy might cost you about $100 per year. But it might save you several hundred thousands of dollars in expenses if you suffer an accident.
You might want to contact your insurance agent and find out if your policy provides PIP and uninsured/underinsured motorist coverage. If not, you might want to add that coverage in the event that you experience an accident.
Even the best efforts of Katy, TX injury lawyers might not be able to help you recover adequate financial compensation for your accident injuries if the driver that caused your wreck is an uninsured motorist with no assets and you don't have the PIP and uninsured/underinsured motorist coverage that would help pay for your accident losses.
If you've suffered an accident caused by a negligent driver, contact our Katy, TX injury lawyers for a free accident consultation. We could help you determine your prospects for s full financial recovery for your accident injuries and losses.
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!