Insurance & Personal Injury Attorney in Denton, Texas
Uninsured/Underinsured Coverage
Uninsured/Underinsured Coverage
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Uninsured and under insured coverage in the state of Texas is also required under your own automobile policy unless you reject that coverage in writing when you sign up for your insurance coverage. It does a couple of things and it’s an excellent form of an insurance. If you were involved in a wreck that was caused by somebody else but that person did not have coverage the uninsured coverage under your own policy would act as a substitute liability policy so you could still recover something for your damages.
Underinsured coverage is similar in that if the person that hit you did not have enough insurance coverage to pay for your actual damages your underinsured coverage will fill in the gap and provide an additional layer of benefits.
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Texas Personal Injury Attorney, Frank Lyle, discusses uninsured and underinsured coverage. He explained that uninsured and underinsured coverage is a mandatory component of your own automobile policy in Texas, unless you explicitly reject it in writing when signing up for insurance. These coverage options serve important purposes and are highly recommended.
Uninsured coverage comes into play when you are involved in an accident caused by an uninsured driver. In such cases, your own uninsured coverage acts as a substitute liability policy, allowing you to recover compensation for your damages even if the responsible party lacks insurance coverage.
Similarly, underinsured coverage is designed to protect you when the at-fault driver’s insurance is insufficient to cover your actual damages. If the liable party’s insurance falls short, your underinsured coverage will bridge the gap and provide an additional layer of benefits, ensuring that you receive the appropriate compensation for your losses.
