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  • Writer's pictureEunice Moore

What Do You Mean There Isn't Enough Coverage?

Updated: Jun 4

It's 2 p.m. The sun is high. It's a beautiful day. The roads are dry. Visibility is crystal clear. Why would anyone expect a horrific rear-end crash that would destroy the rear-end of your vehicle beyond recognition, send you careening into boulders on the other side of the road, and down the path of multiple neck and back surgeries? No one does. You simply get in your vehicle, hopefully after kissing your loved ones good-bye and saying "I love you."

Texas Law states that in order for Texas drivers to meet their financial responsibility on our roads, they must carry a 'minimum' of $30,000.00 in case they are in an 'at-fault' collision. Rear-ending someone is almost always considered an at-fault collision. What happens then, if the person who is responsible for your rear-end crash, carries only $30,000.00 in liability coverage? Who pays the rest of your medical bills? What about the time you are out of work because you physically cannot get out of bed? What most people don't know (and don't always get an explanation from their insurance company) is that there is additional coverage that is recommended for instances when you have been injured and there just isn't enough coverage from the responsible driver. What do you mean there isn't enough coverage? Why should I have to pay premiums to my insurance company when someone else is at-fault? Easy. Because the other person might be someone that does not have assets to satisfy a judgment you seek against them and their insurance company has paid the maximum amount of coverage the policy affords leaving you to foot the bill on the rest of your medical care and damages. Any individual can, and should, purchase Underinsured Motorist and Uninsured Motorist policies for instances when there just isn't enough coverage to consider all of your damages and of course for instances when the other driver does not maintain their policy and are operating their vehicle without insurance. You simply cannot afford to run this risk by not seeking the coverage. Policies of minimum coverage exist as well, but if the initial $30,000 wasn't enough for injuries this crash caused, would another minimum policy be enough? Policies of $50,000, $100,000, $300,00, $500,000 and $1,000,000 exist for purposes of Underinsured Motorist and Uninsured Motorist Coverage. Today, do you have enough coverage if you were in this vehicle and the other driver had a minimum policy?

If you feel you need advice on a personal injury situation, never wait. Call an experienced personal injury lawyer who can guide you through the process. 844-SRTA MAS.

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