Why Texans Need Uninsured and Underinsured Motorist Protection

Why UIM Coverage is Important for Drivers in Texas

At Lopez Law Firm, we understand the importance of having adequate insurance coverage when you’re on the road in Texas. That’s why we strongly encourage drivers to make sure they have comprehensive coverage, including Underinsured/Uninsured Motorist protection (UIM) insurance.

UIM is an essential form of protection for any driver in Texas, and can help provide financial security if you are ever involved in a serious accident with an underinsured or uninsured motorist. This type of policy pays out on your behalf for medical costs, lost wages, pain and suffering damages, as well as any damage done to your vehicle that exceeds the at-fault driver’s insurance coverage. Without UIM coverage, you may be responsible for paying these costs out of pocket – something that can be very difficult to manage.

How to Get UIM Coverage in Texas

In Texas, you must sign a form rejecting UM/UIM coverage for it to be excluded from your policy. But if you don’t sign this waiver, UM/UIM is automatically included in your policy. That means it’s important to know what kind of protection is included with your coverage and make sure you fully understand all the benefits and exclusions before signing anything.

Get Expert Advice from Lopez Law Firm

At Lopez Law Firm we understand how confusing and overwhelming it can feel to try to protect yourself financially after an accident. That’s why our team is here to provide expert advice on getting the right kind of insurance for your needs! If you have been in a crash and have questions about UIM coverage, call us directly at (210) 504-5222.