What Is Underinsured Motorist Coverage?

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You may be flooded with an overwhelming feeling immediately following the dramatic event of your car collision. This overwhelming feeling may do nothing but spike when, upon speaking with the other motorist involved, you learn that they do not have enough insurance, or any insurance policy at all, to cover your damages. For this reason alone, it is highly recommended that you protect yourself and carry underinsured motorist coverage. Read on to discover what underinsurance motorist coverage is and how a seasoned Houston, Texas car accident lawyer at White Personal Injury can help you recover the monetary damages that you are entitled to.

What is considered underinsured motorist coverage in the state of Texas?

Firstly, underinsured motorist coverage is a type of coverage that pays the difference between the at-fault driver’s auto insurance coverage and your incurred injuries and damages. Therefore, it may come in handy if the at-fault driver cannot provide a sufficient payout or if they flee the scene of your collision before you can exchange information with them.

The bottom line is that, if your collision was quite severe, the at-fault driver’s insurance plan combined with your standard auto insurance plan and your personal injury protection coverage may still not be enough to fully compensate you. What’s more, your health insurance plan may not be enough, either. This is especially true if the following circumstances apply to you and your car collision event:

  • Your vehicle is expensive, thereby making its repairs quite costly.
  • Your vehicle became totaled, thereby requiring you to replace it entirely.
  • Your vehicle incurred significant damages, thereby requiring you to temporarily use a rental car.
  • You incurred severe, life-threatening injuries, thereby making you lose wages for weeks, months, or even years.
  • You incurred severe, life-threatening injuries, thereby making you require special at-home medical care for weeks, months, or even years.

What coverage does this type of motorist insurance offer?

Insurance providers throughout the state of Texas are required to, at the very least, offer the option of underinsured motorist coverage. And while you may choose your desired limit, it is in your best interest to have enough that can cover the cost of replacing your vehicle entirely. So in the event of a car collision, you may only have to pay a $250 deductible for your car repairs. Without further ado, this type of motorist insurance may offer the following coverages:

  • Your temporary rental car payments.
  • Your car repair bills or your car replacement bills.
  • Your and your passenger’s or passengers’ medical bills.
  • Certain non-economic damages, such as your pain and suffering.

In conclusion, you require the services of a competent Houston, Texas auto accident lawyer before submitting your motorist insurance claim. So please schedule your initial consultation with us at White Personal Injury today.

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