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You might want to consider UIM coverage - here's why

Driving through League City, Galveston, and the Houston area, in general, comes with risks. You never know when your daily commute could turn into a giant mess. It only takes one negligent or distracted driver to put you and your vehicle out of commission. In most cases, you would expect the at-fault driver's insurance to cover your expenses. But, what happens if that driver does not have enough coverage to take care of the damage to your car, your resulting medical expenses and any other losses you suffered?

In Texas, you must have minimum liability coverage in order to legally drive. This is one of the reasons why some motorists do not carry enough insurance to handle the entire cost of a major accident. Fortunately, you have the option to purchase uninsured/underinsured coverage to add to your car insurance policy. To find out more about the benefits of having such coverage, read below.

Different coverages

In general, underinsured coverage is not the same as uninsured coverage. Normally, the underinsured option is part of a larger policy that covers drivers that do not have insurance. While the uninsured part applies only to drivers that do not have any insurance at all, the underinsured part of the package kicks in when you have an accident with a driver that does not carry enough insurance to cover the cost of all the damages.

How it works

Like most other policies, underinsured motorist coverage has a maximum amount it will pay. When you have an accident with an underinsured driver, your own underinsured policy should kick in and help to cover the costs that are beyond the other driver's insurance. However, since your policy will have a coverage limit, it is possible that it will not cover all of your losses. If you find yourself in this position, you may have a third option available to seek compensation. You might be able to take legal action.

Filing a lawsuit

If you still have losses that remain unpaid after the other driver's insurance policy has paid out its coverage limit and your underinsured policy has also reached its limit, you might be able to file a lawsuit against the other driver. However, there are two things to keep in mind. First, the other driver may not have the resources available to pay the remaining damages out of his or her own pocket. Second, if you win a judgment and you receive a substantial settlement, your insurance company may take a portion of the proceeds as compensation for the amounts it previously paid.

If you or a loved one has been the victim of a negligent driver, it is important to remember that you have options. While carrying an uninsured/underinsured motorist policy can help you recover the costs, you may also have to pursue legal means in order to be made whole again.

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League City, TX 77573

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