WOULD YOU BE COVERED? 2 Life-Changing Options for Your Auto Insurance Policy
Lately, we’ve seen cases where our clients do not have uninsured or underinsured motorist coverage. If you are in a collision and the other driver does not have insurance, these important policies can be life changing. UNINSURED MOTORIST COVERAGE (UM) Unfortunately, even though it is the law, 20% of all drivers in Texas don’t have insurance. UM coverage comes into play when you get hit by a driver who doesn’t have insurance coverage. Uninsured motorist coverage also comes into play when you are involved in a hit-and-run. It is hard enough to be involved in accidents and try to heal and get better. The reality that you may have to pay for your own injuries even though another party was at fault makes moving on even more difficult, and UM coverage can provide crucial protection in this situation. UNDERINSURED MOTORIST COVERAGE (UIM) UIM coverage comes into play when you get hit by a driver who doesn’t have enough insurance to cover the damages that you
sustained. For example, we have seen people come through our door with severe brain injuries where the other driver only has a $30,000 insurance policy — the bare minimum in Texas. This is not enough to cover the care and impact for a severe brain injury. This is where UIM coverage kicks in to help pay for necessary medical care. Making sure that you have UM/UIM insures you will be covered and is the best way to avoid a situation where you have to pay for being injured. Most people opt out because they think, “I’ll never need it.” Your insurance agent may not know how the claims process works, which is why they didn’t tell you to get UM/UIM and get a lot of it. The importance of this won’t seem like a big deal until you or a loved one are faced with these circumstances, left to figure things out on your own. Did you know that as part of our free VIP program we review your insurance coverage for free? Send us your declaration sheet, and we will be happy to take a look and make sure you’re protected.
BUTTON LAW FIRM HIGHLIGHT REEL
Rosie and her family on Thanksgiving — go Cowboys!
Me and Amy in Seattle on Thanksgiving
Nicole hosting her first Thanksgiving with her family
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