Dallas auto accident lawyer Michael Grossman expains the difference between uninsured and underinsured motorist coverage

Uninsured and Underinsured Motorist Insurance

All motorists in the state of Texas are required to have basic insurance.  Unfortunately, some drivers do not have enough insurance to cover the actual expenses involved in a car accident. These drivers are considered to be underinsured. Other drivers simply have no insurance at all, despite the law. These, of course, are uninsured drivers.

Your insurance company is required by law to offer you additional coverage for accidents involving an uninsured/underinsured motorist (UM/UIM). This coverage comes in two categories: bodily injury and property damage.

Bodily injury UM/UIM coverage covers your medical bills, lost wages, and any pain and suffering or disfigurement damages. This coverage comes with no deductible.

Property damage UM/UIM coverage includes damage to your car or property within your car and the price of a rental car while your vehicle is repaired. This coverage comes with a $250 deductible.

But even if you do not have UM/UIM coverage and you have been hit by a car with no insurance, there may be steps you can take to seek compensation from an uninsured or underinsured motorist. Before you give up, it is always a good idea to contact the experienced Dallas auto accident lawyers of Grossman Law Offices. We are glad to listen the details of your case and provide you with free legal advice.

Posted by: Dallas auto accident lawyer Michael Grossman | Posted on: 10/6/2009 | Comments (0)

As a Texas attorney practicing for 20 years, I have litigated all manner of personal injury cases. I use this blog as a place to write opinion / editorial articles on a variety of topics that catch my interest and as a means of sharing news stories relevant to personal injury accidents. I think the overwhelming majority of people are unaware just how common these types of accidents are and I hope this blog raises awareness to rather serious public safety concerns. However, this blog is simply a means for me to share my opinions and I would recommend that anyone who is considering seeking legal counsel should contact their family attorney.

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