One focus of my practice has become representing victims in uninsured and underinsured motorist claims. I literally speak to groups of lawyers throughout Texas trying to educate lawyers about the nuances of these claims. They are much more complicated than many people think.
Most of my speeches are in bigger cities. I’ve spoken in Houston, Dallas, Austin, El Paso, and Lubbock, among others. Recently, I did a webinar for a company so that they could reach lawyers in smaller counties.
At the end of the webinar, they offered a short recording to explain why I think uninsured/underinsured motorist insurance is so important. I’m sharing the video here.
I don’t want to spoil the thrill of the video, but there are several reasons why I think all Texas drivers should buy uninsured/underinsured motorist insurance.
First, an estimated 20% of Texas drivers don’t have auto insurance. If you or your family is hit by one of those drivers, you have no realistic way of making a recovery other than uninsured motorist coverage.
Second, of the drivers who do have insurance, most have the minimum limits required by law — $30,000.00. In most cases, this isn’t enough to fully compensate you for your losses. In fact, one trip to the emergency room often costs more than this amount by itself.
Third, and most importantly, this insurance protects you and your loved ones. You are required by law to carry liability insurance — which pays for other persons’ injuries if you cause a wreck. But uninsured/underinsured motorist coverage actually protects you and your family and compensates you for losses caused by others. That’s important.
If you want more information about these claims, or if you or a loved one has been injured in a wreck caused by an uninsured or underinsured motorist, please feel free to call our office at (512)476-4944.
