Every driver on Texas highways is included by liability insurance to protect other drivers. Actually, a lot of people drive without insurance, or they hit and run, or, even should they have the minimum coverage required by law, it’s not enough to cover the other driver’s damages. This is where uninsured coverage and underinsured coverage come in.

An uninsured driver is someone that either doesn’t have any insurance or who hits and runs. An underinsured driver is one who does have liability insurance, but in an amount that is not enough to cover the other driver’s damages in a particular situation. For instance, a negligent driver might have 20/40/15 minimum coverage but be found liable for $40,000 in damages to you individually. If you have underinsured coverage, it would pay the $20,000 difference.

Texas law provides you with the chance to purchase insurance coverage to protect yourself against both uninsured and underinsured motorists. This coverage is optional, but your insurer must offer you the opportunity to purchase it, and your refusal to purchase it must be on paper. This coverage protects you, your family members, passengers in your vehicle, and anybody driving your vehicle with your permission. It pays your medical and funeral expenses, car repairs, car rental, the replacement of damaged contents, lost pay, pain and suffering, disfigurement, and permanent or partial disability up to the dollar limits that you have purchased.

Visit the sites for more information at austin-autoinsurance.org
or austin-carinsurance.org

Popularity: 14% [?]