The Two Main Uses of Uninsured Motorist Coverage

Last updated on: May 2, 2014

The Two Main Uses of Uninsured Motorist Coverage

UIM stands for uninsured or under-insured motorist coverage, and in Texas, it’s automatic with your car insurance, unless you’ve specifically rejected it in writing. It comes into play in two situations. The first situation is when the responsible party doesn’t have any insurance at all. Even though Texas requires insurance, I’d say about 15-20% of individuals driving do not have valid insurance coverage. In that case, you’d use your UIM coverage, and your insurance company would step into the shoes of the responsible party and attempt to make you whole. The other time that UIM comes into play is if the responsible party is under-insured. That just means that they don’t have enough insurance to make you whole, so you would go try to get as much insurance as you could from the responsible party, then you’d go to your insurance company, through your UIM coverage, and ask them to make up for the difference. If you have any questions about how UIM coverage works or whether you have it, give the attorneys at Zinda Law Group a call, and we’ll provide you with a free consultation.  

Where Zinda Law Group Practices:

We were founded in Texas and have a team of Austin personal injury lawyers as well as attorneys in Dallas and Fort Worth.

 As we’ve grown we expanded out west to El Paso, Texas subsequently into Arizona adding Tucson Personal Injury Lawyers to the firm, as well as adding offices in Colorado including Denver Personal Injury Lawyers and the surrounding cities such as Colorado Springs.

Types of Cases We Handle:

We also have a team of attorneys that have experience serious injury cases such as car accidents, wrongful death and truck accidents.   We also have experience handling more complex cases such as gas explosions and drug injury cases, such as the Taxotere® Lawsuits.