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Blogs from May, 2023

auto insurance

When it comes to personal injury cases in Texas, being prepared is key. Accidents can happen unexpectedly, and the financial consequences can be overwhelming. That's why Webb, Stokes & Sparks, a trusted personal injury firm in Texas, is here to shed light on two crucial types of auto insurance coverage: Uninsured/Underinsured Motorist Coverage and Personal Injury Protection (PIP). Discover why every Texas driver should have these coverages to safeguard their well-being and financial security after an accident.

Uninsured/Underinsured Motorist Coverage

Texas drivers should always purchase Uninsured and Underinsured Motorist coverage on their cars due to the significant benefits and protections it offers in the event of an accident involving an uninsured or underinsured driver. This coverage acts as a safety net, filling the gap left by inadequate insurance or the absence of insurance on the at fault driver altogether.

Texas has a high rate of uninsured drivers, making Uninsured Motorist (UM) coverage crucial. According to the Insurance Information Institute, Texas had an estimated 14.1% uninsured motorist rate in 2019. If an uninsured driver causes an accident, their inability to cover the resulting damages could leave the victim with significant financial burdens. UM coverage ensures that the victim's medical expenses, property damage, and other losses are covered, sparing them from bearing the entire financial burden. You can buy the limits up to the limits of your own liability limits.

Even if the at-fault driver is insured, their coverage may not be enough to fully compensate an injured party. Underinsured Motorist (UIM) coverage addresses this issue by providing additional protection. It kicks in when the at-fault driver's insurance limits are insufficient to cover the total costs of the victim's injuries and damages. Without this coverage, individuals may find themselves responsible for the remaining expenses, which can be overwhelming and create long-term financial strain.

Moreover, UM/UIM coverage is particularly vital in Texas, where accidents can result in serious injuries and extensive property damage. The state's large population and extensive road networks increase the risk of accidents, and the costs associated with such incidents can escalate rapidly. Having the right coverage ensures that Texans can receive the necessary medical treatment and repairs without incurring excessive personal costs.

Personal Injury Protection Coverage

Personal Injury Protection (PIP) is a crucial component of auto insurance, especially for drivers in Texas. PIP provides essential coverage for medical expenses and related costs incurred by the insured driver and passengers in the event of an accident, regardless of fault. This coverage is especially significant in Texas, where the law allows drivers to choose between PIP coverage and another, less favorable coverage known as Med Pay.

PIP coverage ensures that medical expenses are promptly covered after an accident. Injuries sustained in car accidents can range from minor cuts and bruises to severe trauma requiring extensive medical treatment. PIP helps drivers access immediate medical care without worrying about who is at fault for the accident. This is particularly crucial in emergency situations where prompt treatment can make a significant difference in recovery outcomes.

Furthermore, PIP offers additional benefits beyond medical expenses. It will cover lost wages, rehabilitation costs, and even essential services such as childcare or housekeeping if the injured party is unable to perform these tasks due to their injuries. Such coverage can alleviate the financial burden that often accompanies accidents, allowing individuals to focus on their recovery and well-being.

Moreover, PIP coverage can be particularly beneficial in a state like Texas, which follows a "fault" insurance system. In this system, the driver found at fault is responsible for compensating the injured party for medical expenses and other damages. However, when an at-fault driver is uninsured or underinsured, recovering compensation can become challenging. PIP can pay now and not years later when everything is resolved.

How Our Firm Can Help

As a responsible driver in Texas, protecting yourself and your passengers should be a top priority. Webb, Stokes & Sparks emphasizes the importance of Uninsured/Underinsured Motorist coverage and Personal Injury Protection to ensure financial security and prompt medical coverage after an accident. Safeguard yourself and others from the potential financial consequences of an accident, promoting peace of mind, and a sense of security on the road. Trust in our expertise to guide you through the complexities of personal injury claims and secure the compensation you deserve. Contact us today by calling (325) 221-0822.