When Insurance Isn’t Enough

Accidents happen. That’s why we have insurance. You’ve got car, health, home, and life insurance, so you should be covered, right? Unfortunately, there are many circumstances under which these common insurances policies won’t cover the damages to your property or person. Covering these gaps are possible, but they can be costly. It is important to be knowledgeable about your insurance coverage and be aware of what circumstances you might not be covered for so you can either avoid them or be more careful.

Uninsured Motorist Insurance

All states require that motorists have liability and personal injury protection coverage. While theoretically all drivers should have insurance because it’s the law, there is a significant portion of Americans that drive uninsured. Rule of thumb is whoever’s fault the accident was, their insurance pays for the damages. But what happens when an uninsured motorist causes an accident? Unless you have uninsured motorist coverage, your liability coverage likely won’t cover the damages to your person and property. It’s worth reviewing your auto insurance policy to see if you will be covered in these circumstances.

It is vital that you stay up to date on exactly what your auto insurance policy covers you for. If you are in an accident that causes yourself or a passenger bodily harm, a personal injury attorney will be able to assist you in getting the justice you deserve during a trying and painful period of your life. Whatever the insurance situation of the person who caused the accident, it is worth consulting a personal injury attorney to discuss your options when you have been on the receiving end of an auto accident.

If you have been the victim of a car accident contact an Austin personal injury lawyer; Jason McMinn and Justin McMinn will be happy to evaluate your case quickly and without cost. Call us at 512-474-0222, use the live chat on our website, fill out the form on this page, or email info@mcminnlaw.com