Uninsured coverage is a type of car insurance that protects you if you’re involved in an accident with a driver who doesn’t have insurance. If you have uninsured coverage, your insurance company will pay for your damages, up to the limits of your policy.
Uninsured coverage is particularly important in Texas, where a significant number of drivers are uninsured. According to the Insurance Research Council, Texas has the highest percentage of uninsured drivers in the country, with an estimated 25% of drivers lacking insurance. This means that if you’re involved in an accident with an uninsured driver, there’s a good chance you’ll be left to pay for your own damages.
Uninsured coverage is usually optional, and it’s typically offered as an endorsement to your standard car insurance policy. The cost of uninsured coverage varies depending on your insurance company and your coverage limits, but it’s generally affordable.
If you’re involved in an accident with an uninsured driver in Texas, it’s important to contact an experienced car accident lawyer to help you navigate the claims process and advocate for your rights. An experienced lawyer can help you pursue compensation for your damages and ensure that you receive the best possible outcome.
In conclusion, uninsured coverage is an important type of car insurance that protects you if you’re involved in an accident with a driver who doesn’t have insurance. It’s particularly important in Texas, where a high percentage of drivers are uninsured. If you’re involved in an accident with an uninsured driver, it’s important to seek the advice of an experienced car accident lawyer to help you navigate the claims process and advocate for your rights.