Skip to Content

The Importance of Uninsured Motorist Coverage


When it comes to assigning liability in a car accident, Texas is a comparative fault state. This means that each driver involved in a crash must take financial responsibility for any accident which they are 50% or more at fault for. Most motorists are able to handle this by purchasing liability insurance coverage, which is required statewide. However, in some cases, merely the minimum coverage is not enough.

For example, what if you find yourself seriously injured in a car accident and the other driver can’t pay? Do you have options? If your policy includes uninsured motorist coverage, you’re in luck.

What Is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is an optional but vital type of auto insurance that pays if you’re hit by a motorist who, for one reason or another, doesn’t have the ability to cover your medical bills and property damage costs.

Uninsured motorist coverage protects you if:

  • The driver who hit you doesn’t have car insurance
  • The driver who hit you doesn’t have enough car insurance coverage to pay for your medical and repair expenses
  • You were hit by a hit-and-run driver who fled the accident scene

Rather than be paralyzed by the prospect of fronting your own medical and car repair bills a situation such as those above, uninsured motorist insurance ensures you get paid no matter what.

The Insurance Company Isn’t Always on Your Side

Sadly, while most insurance companies strive to operate in good faith, many others will try to take advantage of you if you attempt to make a claim for an insurance payout after a car accident. These companies care only about their bottom line, so they will offer you a small amount in the hopes you won’t try to negotiate. Or, even worse, they may deny your claim altogether.

Fortunately, you don’t have to take this kind of treatment lying down. A savvy car accident lawyer can stand up against insurance companies who practice bad faith in Texas on your behalf. At the Law Offices of Vic Feazell, P.C., our Waco car accident attorneys have decades of experience fending off bad faith insurance practices and will fight to get you the compensation you deserve after a car accident.

Even if bad faith isn’t involved in your case, we can still negotiate with insurance companies to ensure your compensation is fair and just. We believe that an individual injured in a car accident at no fault of their own shouldn’t be victimized twice. We will fight for you until the insurance company offers a sum that will fully cover your recovery.  

Have you been injured in a car accident? Our Waco car accident lawyers can help. Our firm is nationally respected, and our team of attorneys is made up of award-winning and compassionate advocates. Learn more by calling or writing to us online.