Houston is known for its busy streets and crowded roads. The city sees its fair share of road accidents due to various factors. A common concern some people have is that not all drivers have motorist insurance coverage. In such scenarios, the two parties involved in a car accident struggle to conclude damage and injury compensations.
If you’re looking to learn how to handle such cases with the help of a car accident lawyer in Houston, we have covered the necessary details.
Understanding Uninsured and Underinsured Motorist Coverage
Uninsured Motorist Coverage (UM)
Uninsured motorist coverage (UM) is a type of coverage that offers protection if you get into a car accident with another driver who doesn’t have insurance. UM helps cover medical expenses, lost wages, and other damages incurred due to the accident.
Underinsured Motorist Coverage (UIM)
Underinsured motorist coverage refers to the type of coverage that applies when the driver at fault has limited insurance that cannot cover your expenses. It bridges the gap between their total coverage and your total costs.
Why Are UM and UIM Important?
The following information can help you understand the importance of UM and UIM so you can seek the proper assistance from a car accident lawyer in Houston.
Protection from Uninsured Drivers
Did you know that nearly 14% of drivers in Texas are estimated to be uninsured? This means if you face a car accident, there is a chance that the driver (at fault) will be unable to compensate you for your expenses. However, this is where uninsured motorist coverage comes into play and offers you financial protection.
Medical Coverage and Lost Wages
If the at-fault car driver is uninsured or underinsured to cover your expenses, UM or UIM will compensate for your medical coverage and lost wages. Since medical expenses apply immediately after the accident (based on incurred injuries), UM or UIM coverage bridges the financial gap. It ensures that you receive the health and financial assistance you need.
Hit-and-Run Accidents
Since Houston is a populous city, the chances of hit-and-run cases are high. When caught in such situations, UM coverage can help you get the compensation you need for medical coverage and lost wages. This option allows you to be protected by the law even if the at-fault driver leaves the scene.
Protection for Pedestrians and Cyclists
Uninsured and underinsured motorist coverage also covers pedestrians and cyclists. If a car accident involves third parties (like pedestrians and cyclists), the compensation extends to those victims, covering their medical and other expenses. The compensation may also cover the involved party’s lost wages (due to the accident).
Need Assistance from a Car Accident Lawyer in Houston? Contact McDonald Worley!
The above information highlights the crucial importance of uninsured (UM) and underinsured (UIM) coverage. If you need legal representation from a car accident lawyer in Houston, McDonald Worley has got you covered. Contact us today to discuss your case.