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What Do Uninsured Motorist Claims Cover?

During tough economic times, more drivers on the road are uninsured. According to the Insurance Journal, 14.3% of motorists in the United States in 2011 were uninsured. This translates close to one in seven drivers. At 15%, the percentage of uninsured motorists in Texas is a bit higher than the nationwide average. Odds are higher than most people would think for a collision involving an uninsured motorist.

When another driver is at fault in an accident but has no insurance, you may have a tough time recouping your losses. Uninsured motorist coverage solves this problem by covering the damages caused by the driver who had no insurance. Underinsured motorist coverage is similar and can also offer financial protection. If the other driver’s insurance policy falls short in covering all your damages, your underinsured motorist coverage picks up the uncovered costs.

An Uninsured motorist insurance generally covers property damage and bodily injury. It pays benefits in situations that involve:

Property damage (unlike collision coverage, without raising your insurance premiums)

Medical bills for physical injuries

Lost wages

Injuries as a pedestrian

Injuries to other passengers

Injuries when traveling in other cars

Many people do not realize the extent of what uninsured motorist insurance covers.

For experienced legal help

If you are seriously injured in a car crash, a Texas car accident lawyer can help you with the insurance aspect of your case.

Wells, Purcell & Kraatz is a long-established personal injury law firm in Fort Worth, Texas. For more than two decades our attorneys have helped clients deal effectively with car accidents.Arrange a free consultation by calling (800) 882-4529. Or contact us online.

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