Best Consumer Protection Lawyers in Fort Worth, TX

Pros and Cons of Uninsured Motorist Coverage in Texas Texas holds at-fault drivers liable for damages from crashes with other vehicles. That is why the state mandates that drivers buy at least a minimum amount of liability insurance. The minimum required liability car insurance in our state is $30,000 for bodily injury per person, $60,000 for each accident and $25,000 for property damage. Unfortunately, some drivers still go on the road without having any insurance. This is why insurance companies are required to offer drivers uninsured motorist (UM) coverage. This form of auto insurance compensates victims of crashes caused by drivers who lack insurance. That means victims can use it after hit-and-run crashes if the police are unable to find the driver. You can also use UM if a driver caused a crash because of road rage, or the driver borrowed the car without getting permission first. UM coverage can be used to pay for medical expenses, lost wages, and pain and suffering. You can buy UM property damage coverage to pay for vehicle repairs, personal property damage and the cost of renting a car. UM coverage has numerous advantages, including protecting you financially if an at-fault driver lacks insurance. You can also stack UM coverage between multiple policies to increase your coverage. However, UM coverage has drawbacks such as increased premiums, coverage limitations and deductibles.