In the past several weeks the Houston Auto Accidents Attorneys at DeSimone Law Office have discussed how it is almost impossible to recover any monies from a a negligent uninsured driver who causes a traffic accident. The laws in the state of Texas protect debtors, and so even if a judgment were to be obtained against the driver it would be virtually impossible to collect at all and definitely not in a timely manner. We then talked about what one could do to protect themselves and make sure they are covered for their property and personal injuries. Last week we stated that obtaining full coverage insurance seemed to be the solution and then pointed out that such coverage does not really exist and one could attempt to purchase insurance to cover all possible scenarios when in fact all one was doing was protecting one’s car without providing any way to pay for one’s injuries as a result of an uninsured motorist car accident. The bottom line is that there are specific coverages that can be purchased as part of an automobile policy. These coverages are laid out at the Texas Department of Insurance website. We would recommend reading what they are and what they cover before purchasing insurance. To answer the question from last week one needs to make sure they purchase uninsured motorist coverage for both their property and injuries to be fully covered in the event of an accident claim involving an uninsured driver. Uninsured motorist coverage pays for your damages just as if the other driver had insurance and was paying for the accident. Uninsured motorist coverage will also cover for hit and run accidents where the other driver has fled the scene and cannot be located. As with most insurance policies you have to be aware of how uninsured motorist coverage can be denied even with a valid claim. First off there must be contact between your car and another for a valid claim. If someone were to run you off the road without striking your car, there would be no coverage. Also a police report needs to be filed within thirty days. If the report is not filed, the insurance company can deny any payment on the claim.
If you have questions about this blog, need help with an accident involving an uninsured driver or any other auto accident matter, call the lawyers at DeSimone Law Office immediately. We have been handling these matters for over 23 years and will be able to take care of all of your auto accident needs.