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The Importance of Underinsured : Uninsured Motorist Coverage | McKay Law

The Importance of Underinsured / Uninsured Motorist Coverage

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Understanding underinsured & uninsured motorist coverage for your best benefits today.

When a person shops for automobile insurance, one always asks if he or she has enough coverage. However, many factors play into what is being covered. Some of the references might seem obvious, such as liability and collision coverage. Some coverages are less obvious.

The Definition of Underinsured & Uninsured Motorist Coverage

Texas Insurance Code Section 1952.101(a) defines uninsured and underinsured motorist coverage as an “insurance policy that provides for coverage…that protects insureds who are legally entitled to recover from owners or operators of uninsured or underinsured motor vehicles damages for bodily injury, sickness, disease, or death, or property damage resulting from the ownership, maintenance, or use of any motor vehicle.”

All insurance companies are required to provide uninsured and underinsured motorist coverage when selling insurance, according to Texas Insurance Code Section 1952.101(b). The only way an insurance company can get out of issuing uninsured and underinsured motorist coverage is for you, as a customer, to reject such coverage, according to Texas Insurance Code Section 1952.101(c).

How Does It Work?

Now you may think, how does underinsured or uninsured motorist coverage work? See the following situations:

  • Suppose that Jack rear ended Jill, but Jack had absolutely NO insurance. If Jill had Uninsured Motorist coverage, she could file an insurance claim on her own insurance since Jack had no insurance and receive compensation for damages.
  • Suppose that Jack’s rear-end collision caused Jill to have serious injury, SO much so that she has to stay at the hospital for a week. If Jack only had $30,000.00 in liability insurance, that might not be enough to cover Jill’s $300,000.00 hospital stay. If Jill had Underinsured Motorist Coverage, she could possibly recover her medical costs regardless.
  • Suppose that, after rear-ending Jill, Jack decides to flee the scene of the collision. Even though
    Jack might have had liability insurance, the liability coverage does no good in this scenario, since Jill wasn’t able to collect that information. If Jill had UIM coverage she could file a claim on her own insurance and potentially recover compensatory damages such as medical bills, or lost wages.

Should I Get It?

It is always a good thing to be protected in the event that someone either does not have enough insurance or does not have insurance.

Ask yourself: Have you been injured in a motor vehicle collision? Do you have enough insurance to cover your medical expenses? Do you have the type of coverage that will protect you from a driver who does not have insurance? Better to be safe than sorry!

We Can Help You Utilize The Insurance Claim

At McKay Law, Lindsey McKay is keen on knowing how to utilize UM/UIM claims to help her clients potentially recover the compensatory damages they deserve. She can help navigate the next best steps in your specific situation. If you have been injured in an 18 Wheeler wreck, motorcycle wreck, or car wreck, call us! We are here to help! We offer free consultations to our injured clients 24/7! Reach us at (903) INJURED or (903) 999-2653.

About McKay Law

Caleb Moore
Caleb Moore
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This business does truly care about their clients and their needs! They have an amazing staff, and are one of the best places in the area for sure!
Amy Patterson
Amy Patterson
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McKay Law and Attorney Lindsay McKay were extremely prompt with in helping me with my wreck! She is very knowledgeable of the law!
Alexandra Serrano
Alexandra Serrano
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She, was very helpful she gonna fights for your right !!! Awesome lawyer and company’s 👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻
Carmen Montoya
Carmen Montoya
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Lindsey and her team were very professional! I am so thankful to have had them work on my case.
Jenny Wakeland
Jenny Wakeland
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Mrs. McKay treats her employees well. She is knowledgeable, professional and trustworthy. She truly cares about her clients.
Cobbie Johnson
Cobbie Johnson
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Very professional greatest law firm I’ve ever worked with.

Why McKay Law?

Lindsey McKay | Sulphur Springs Personal Injury Lawyer | McKay Law – Legally Bold
McKay Law | Legally Bold | Personal Injury Lawyer

Passion For Justice – Compassion For Clients

Compassion. Confidence. Commitment.

$500+

Millions in recoveries for our clients.

10,000 +

More than 10,000 cases closed and settled for our clients.

20 +

20+ years of combined experience with of counsel addition.

Reasons to Hire
McKay Law

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VIP / White Glove Service

We are Available 24/7 - We take care of our client’s needs – whatever they may be – and advise and instruct from beginning to end.

We Care | Reasons to Hire McKay Law

We Care

We hope to change your life and your situation and turn something tragic into something better. No issue is too tiny for us to consider or too big for us to tackle.

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We Listen to Learn Your Story

Injuries, pain, stress of life, the case, finances – We want to know you and be the voice to tell your story and MAXIMIZE results.

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Unless we win and also NO FEE for handling property damage.

Over 40 Years of Service | Reasons to Hire McKay Law

20+ Years of Combined Experience

We have a long line of success and a team that has worked together for decades and has perfected and streamlined the process; making something stressful and painful as seamless and easy as possible.

Dedicated Nurse to Guide You | McKay Law

Dedicated Nurse to Guide Medical Treatment

McKay Law has an in-house specialist guiding our personal injury clients on medical treatment. Read more about our Texas Nursing Board Certified Nurse and How We Assist.

Accident & Injury Lawyers

No Fees Unless We Win.

We Listen to Our Clients.

We are dedicated trial attorneys with the experience and drive to get maximum compensation for our clients. We handle personal injury cases that involve the following matters: drunk driving accidents, nursing home negligence, uninsured or underinsured motorists, motor vehicle accidents, sexual abuse, product liability, auto defects, animal bites, work-related injuries, medical negligence and fatalities.
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Call our Personal Injury Lawyer now: (903) 999-2653 or use the form below. You can also calculate your total damages for settlements.

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