The dilemma of uninsured driving is becoming alarming in these days. Every day the ratio of uninsured drivers is increasing resulting in high risk driving on the roads. The insurance research council (IRC) says that every one driver out of 7 drivers is uninsured. This results in adverse situations as the uninsured driving is not having any liability coverage.
To discourage such high risk driving, most of the states in the world are adding special uninsured motorist coverage in their insurance policies. In addition, the uninsured motorist property damage coverage is introduced that covers the costs of property damages.
Do I need uninsured motorist coverage?
Well, it simply depends upon your status of being uninsured. If you are not insured driver, then you must have this. The uninsured motorist coverage will cover your costs of the accident in the state of uninsured driving.
Uninsured motorist bodily injury coverage:
This is the special part of uninsured motorist coverage that covers the costs of bodily injury due to accidents. Mostly it covers the following costs
- Medical expenses
- Pain and sufferings
- Lost wages
This policy also covers the costs of you and your passengers if you are the victim of the hit-and-run accident.
In some cases, the driver has liability coverage but that coverage is not sufficient to cover all your costs of bodily injury. In that case, the uninsured motorist coverage covers your all costs.
Limits of uninsured motorist coverage in Dallas:
In some states minimum, uninsured motorist coverage costs are determined. It’s up to you what to select for you. The limits for uninsured motorist coverage for bodily injury are as followed.
How much-uninsured motorist coverage?
It stands for the number of persons injured in your accident. This limit is different for one victim of accident versus multiple victims of accidents.
- $15,000 for bodily injury or death, per person
- $30,000 for total bodily injury or death per accident
Combined single limits:
In this limit, one amount is set by your auto insurance company that covers all the costs of the accident. (for example, it can be $30,000 per accident).
Uninsured motorist property damage coverage:
It is not compulsory and in some states, it is even not offered. It covers the costs of all property damages.
It is applied when the other driver is found of being less involved or at least partiality of a fault accident and has no insurance or inadequate insurance coverage. It not only covers the costs of the damage to your vehicle. Rather than it also covers the costs of the damages to someone else property. Following personal property damages are covered under this auto insurance coverage Texas.
- Damage to your house
- Damage to your fence
- Any other damage to your property
Is uninsured motorist coverage necessary?
It is not a compulsory insurance coverage by the state. But it will really give you help if you are an uninsured driver. Thus have this insurance coverage in hand to avoid the worst effects of uninsured driving.