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The Importance of Insurance for Your Motor Vehicle

By Todd Rao Subscribe to RSS | December 22nd 2011 | Views:

Whenever you are operating a motor vehicle in Texas, you are required to carry liability insurance to cover you in the case of an unwanted accident. The sad fact remains that not every driver follows this law, and many will simply not possess adequate insurance coverage. This makes for a sticky situation when you are involved in an accident with an uninsured or underinsured driver, and you can be forced to pay for your damages on your own.

Uninsured and Underinsured Motorist Coverage

For this very reason, insurance companies offer Uninsured and Underinsured Motorist coverage, commonly referred to as UM/UIM. Drivers in Texas are required by law to carry insurance in case of bodily injury to others, with minimum limits set that vary from state to state. This coverage, as it should, covers you in case of an accident with one of these drivers, and makes your insurance company pay for your losses if the negligent driver cannot. While every state carries minimum limits for this type of insurance, it is often not enough to cover your medical bills, if you consider the costs of ambulance rides, surgery, and hospital stays. This is where it is essential to hire a car accident attorney in the area.

Experience…When it Matters Most

When dealing with these issues, it is important to not go it alone. A reputable and reliable attorney in your area can utilize their vast experience in the field to get you what you deserve. Insurance companies will often fight you every step of the way when you are filing your UM/UIM claims, as they will simply try to save as much money as possible. An experienced lawyer can litigate your claim, ensuring that you get the settlement you deserve when you are involved in an incident such as this one. You need a strong legal advocate on your side in cases like these, and counting on the most experienced attorney in the field can guarantee you just that. Insurance companies will often give clients the runaround, as they are in the business of saving money, and to them, it is all about protecting the bottom line. Even if you have had no previous accidents and filed everything in order in a timely manner, the adjuster works on behalf of the insurance company, and his or her true interests lie with them. A practice focusing solely on auto accidents will best protect you.

Todd Rao - About Author:
About the Author:
The Todd R. Durham Law Firm has provided professional legal representation to Lewisville and the Dallas Fort Worth area for the last 14 years. Todd Durham is dedicated to helping individuals with their legal needs like auto accident injuries & personal injury attorney through aggressive, honest, and trustworthy representation.

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