What is Uninsured Motorist and Why Do You Need It?
Have you ever come out of a store to find your parked car has been hit while you were inside? Did they leave a note with all of their information so you can file a claim on their insurance? Doubtful, right? That is why you need Uninsured Motorist coverage.
If you are ever in an accident (or your car is) and it is the other party's fault, Uninsured motorist coverage will cover you and your car if they don't have insurance (or you don't know who "they" are) or if they don't have enough insurance to coverage your damages (Underinsured motorist coverage)
Uninsured Motorist coverage limits looks like your Liability coverage limits. There is an amount for each person, an amount total for the accident and an amount for property damage. It generally looks something like; $50,000/$100,000/$50,000. So that would be $50,000 for each person, $100,000 for the total accident and $50,000 in property damage.
Uninsured and Underinsured are categorized together on a policy. You have the same limits for both. The $250 deductible is mandatory in the state of Texas. Uninsured motorist claims do not generally count against you in your insurance history.
Uninsured Motorist coverage will add to your auto policy premium. It is not mandatory in Texas, but it is a good coverage to have. Reports show 1 in 6 drivers in Texas are uninsured. That makes it risky to drive without Uninsured coverage.
If you have questions about your home, auto and commercial insurance, please call Brockman Premier Insurance at 877-987-8683 or email us at brian@brockmanpremier.com.
Please visit our website for more insurance tips and information.
