Do Not Wait To Reach Out To Us If You Are Facing Criminal Charges

Call 972-914-9601
Peter & Lanzillo, PLLC

The Uninsured/Underinsured Motorist Dilemma

imag2.jpg

Sometimes bad things happen to good people. One of the more frequent examples of this occurs when a driver obeying all of the traffic laws is involved in a car accident. Usually, if you are not at fault, the other driver's insurance will cover the damages to your vehicle as well as your reasonable medical expenses.

Most states, including Texas, have a law that requires drivers to maintain a liability insurance policy. If a driver does not have liability insurance that meets the minimum required levels of insurance coverage, they are committing a crime known in Texas as "Failure to Maintain Financial Responsibility."

Unfortunately, it is becoming increasingly common for motorists to attempt to avoid complying with this law. During tough economic times, many think liability insurance is an expense they can cross off without any consequences. In fact, one study found that approximately fourteen percent of drivers are uninsured nationwide.

This obviously creates a huge risk for otherwise law abiding drivers every single day. While you may have liability insurance and obey all of the traffic laws during your daily commute, you never know when someone else may cause an accident and what kind of coverage, if any, they have.

imag3.jpg

What's more, a limited liability policy is just that: limited to the bare minimum amount of coverage that the State requires. This means that there is a cap to how much that negligent driver's insurance company will pay you, even if they completely agree the accident was not your fault. Insurance companies are only liable for the policy cap amounts for both property damage and personal injuries and they don't have to pay a dime over the policy limits.

Can you imagine being involved in an accident that was not your fault and then finding out that the person that hit you has no coverage to pay your repair or hospital bills? Or that they can only pay for a portion of it, leaving you to figure out how to cover the rest?

It is for these reasons that we highly recommend all drivers to obtain both uninsured and underinsured motorist coverage. And if you are involved in a car accident with an uninsured or underinsured motorist, do not give up hope. Contact the experienced Personal Injury Department at Peter & Lanzillo, PLLC to speak with an attorney that can help get you all of the money you deserve.

No Comments

Leave a comment
Comment Information
law icon

We understand that this can be a very stressful time in your life. You want your case to go away as soon as possible, but you need to be sure you are making the right decisions to best protect your future.
We will give you honest advice about the options available to you.

Charged With A Crime?

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Email Us For A Response
Peter & Lanzillo, PLLC

Peter & Lanzillo, PLLC
1505 Precision Drive
Plano, Texas 75074

Phone: 972-914-9601
Fax: 972-924-9789
Plano Law Office Map