Understanding UIM Coverage

Understanding UIM Coverage

UIM coverage, which is uninsured or under insured motorist coverage, comes into play in two distinct situations: In one situation, uninsured motorist coverage comes into play if the responsible party for a wreck doesn’t have any insurance at all.  In Texas, car insurance is required but you’d be surprised by how many people simply don’t it.  In that instance, your insurance company would step into the shoes of the responsible party and because you have that coverage, you would still be able to collect from the insurance company. The other way that UIM coverage comes into play is if the opposing party, the responsible party, has insurance but not enough to make you whole.  In that instance, you would collect the maximum amount you could from the responsible party, you’d go to your insurance company and ask them to make up for the rest. UIM coverage is actually automatic in the state of Texas unless you’ve specifically rejected it in writing. If you have questions about whether or not you have UIM insurance or how it works, give the attorneys at Zinda Law Group a phone call and we’ll give you 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.