Last week, the Houston Auto Accident Attorneys at DeSimone Law Office showed that many drivers in the Houston area are uninsured and how it is virtually impossible to recover any monies from an uninsured driver who causes a car or truck accident. The solution to this problem is to have the coverages in place on your car that will take care of your injuries, your property damage, any rental car charges, and any other damages associated with a car accident involving an uninsured driver.
Many potential clients of the DeSimone Law Office think they are covered for these items, when in fact they are not. They go to an insurance agent and ask for full coverage and are sold a policy that they think will cover the aforementioned items. However, all they have purchased is coverage to take care of their car, not their rental car or personal injuries. Collision coverage and comprehensive coverage is considered full coverage by some agents. These coverages will take care of your automobile damages if you are in an accident with an uninsured driver but nothing else.
Many clients call me after having a car accident with an uninsured driver and want to pursue an injury claim because they purchased full coverage. They think they have purchased the coverages necessary to pursue a personal injury claim when all they purchased was the coverage necessary to take care of their car in the event of having an accident with an uninsured driver. As a matter of fact, most of them are not only surprised to learn they have no medical coverage but that they don’t even have something as basic as rental car coverage. There is no full coverage in Texas, only parts of an insurance policy that cover an insured driver for different outcomes of an accident. Never ask an insurance agent for full coverage because you are not likely to get the coverage you want and need. Next week, we will cover what coverages you need to ask for when attempting to cover yourself for any outcome of an accident with an uninsured driver.
If you have had an accident with an uninsured driver, call the lawyers at DeSimone Law Office right away. We will be able to assist you with all of your injury and property claims and make sure you get the money you are entitled to under the law.