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Potential clients and clients alike often what Uninsured/Underinsured Motorist Coverage is, and when it applies. Although there's no easy answer, here are answers to common questions regarding UIM coverage:
1. What is UIM Coverage?
ANSWER: UIM coverage is automatic in the state of Texas. In fact, the only way that you do not have UIM coverage is if you specifically rejected it by signing off on UIM coverage in writing. With that said, UIM coverage protects you and your family in the event that an at-fault driver that causes a collision is either uninsured, or does not have enough coverage to make everyone whole for their injuries.
2. When does UIM Coverage Apply?
ANSWER: UIM coverage applies in several different situations. Firstly, UIM coverage may in situations in which the driver that caused the collision doesn't have insurance. In that case, you would go through your insurance just as you would have gone through the opposing party's insurance. Secondly, UIM coverage may apply if the amount of the third-party's insurance isn't enough to cover your injuries. In that instance, you would attempt to recover the maximum amount allowable under the opposing party's insurance, and then go through your insurance for the rest. You insurance is allowed to take into account what you've been paid by the third party, and what you may have been paid in PIP funds in evaluating your claim.
3. What if I want to know more?
ANSWER: If you or a loved one has been involved in a car accident, truck accident, motorcycle accident, or bicycle accident and has any questions, please call an experienced Plano personal injury lawyer that will aggressively and compassionately fight for your legal rights.