Amazingly, about a fourth of Texas drivers have absolutely no auto insurance. That means operators of 4.1 million vehicles are breaking state law whenever they drive one inch. While much must be done to correct this situation, individuals can do one important thing to shield their family from uninsured motorists: They can secure uninsured motorist coverage as part of their car insurance policy.

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If you don’t, and you’re harmed by a driver who’s underinsured or uninsured, you may have extreme difficulty getting financial compensation for your losses. It won’t matter that you weren’t at fault or that you have auto insurance of your own. If another driver caused the car crash due to recklessness or negligence, and if that driver is uninsured, you may face a huge financial problem.

Yet the solution is so simple. UM/UIM (uninsured/underinsured motorist) coverage can cost only 30 per cent of what you normally pay for liability insurance, and can provide an enormous protection if you do face this problem. Even if the at-fault driver has little or no insurance, your UM/UIM coverage can protect you after an expensive car crash.

Texas’ required liability coverage for a car wreck is $25,000 per person and $50,000 per collision. In the event that damages go beyond that, your UM/UIM coverage can intervene. Its price seems small to pay in view of the massive savings it can lend those hurt by drivers lacking proper insurance.

UM/UIM coverage is advised especially for those who ride motorcycles in Texas. The state has a high rate of motorcycle accident injuries and fatalities, and due to motorcyclists’ vulnerability, costs of such accidents can run extremely high. Also, most motorcycle accidents are caused by negligent drivers of larger cars, and with 22 per cent of them not carrying insurance, a motorcyclist must have added coverage on his or her own policy. That means UM/UIM coverage.

Nor can you rely only on your health insurance after an accident, since health insurance doesn’t cover lost present and future wages or pain and suffering. By contrast, UM/UIM coverage can lend these protections.

Much can be done to remove uninsured drivers from the road, or force them to buy insurance. Houston suburbs Richmond and Pasadena, TX impound drivers’ cars when found to be uninsured. But you can do something, too: Get UM/UIM coverage and safeguard your family. You just might also ensure your peace of mind.

Texas personal injury firm Jim S. Adler & Associates, of Dallas, Houston, San Antonio and Channelview, urges Texas drivers to protect themselves with uninsured motorist coverage. An Adler car crash attorney also can fight for victims’ rights to financial compensation after a Texas auto accident.

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