Even if you have the legally required amount of auto insurance in Texas, there is no guarantee that you will not get into an accident with someone who does not. Accidents happen but if you are in one with an uninsured or underinsured driver who is at fault, you may be covered with certain policies and you do have options. These tips from Integra Insurance Services serving Huntington, TX to better protect yourself before an accident.
Collision Insurance May Pay for Repairs
Collision coverage is something you can add to your existing auto policy. It will pay for the repairs to your vehicle if you are hit by someone without insurance. It will only apply to the repairs and not any injury, though.
Consider Uninsured and Underinsured Motorist Coverage
Uninsured motorist insurance is an addition to your auto policy that can help pay for damages in an accident with another driver at fault and no insurance. The coverage can only be as much as your liability coverage in the policy. Underinsured motorist insurance can help pay for damages, injuries, and more if you are in an accident with someone who does have insurance but not enough to pay for your damages and injuries. Both policies are only able to be used when the other driver is found to be at fault.
File a Lawsuit
If you have already been in an accident with someone who does not have insurance or enough insurance and you do not have these types of coverage, there is still something you can do. You can file a lawsuit against them and get a judgment. One thing to keep in mind is that you may not ever get any money from the other driver but you can try with this method.
Integra Insurance Services serving Huntington, TX, is here to help you in these types of situations as well as ensure you are properly insured.