Being involved in a Wichita Falls car wreck is not ever a great experience, but it is especially not a great experience when the person who hit you either doesn’t have insurance or doesn’t have enough insurance to cover your injuries and the other damages associated with the car accident. Sure, you can try to sue the person individually, but that doesn’t help if the person doesn’t have any assets to recover from and even so, it’s typically easier and less burdensome to deal with the insurance company than worry about going through a lawsuit. However, the good news is that you can protect yourself from ever having to be involved in situations like this.
Everyone Should Have Uninsured/Underinsured (UM/UIM) Motorist Coverage for Protection from Wichita Falls Car Wrecks
A great way to protect yourself from being in a Wichita Falls car wreck with drivers who aren’t carrying any insurance or aren’t carrying enough insurance is to get uninsured or underinsured (UM/UIM) motorist coverage on your policy. This coverage typically provides compensation for your physical injuries, your property damage, and even for your lost wages for being forced off work. Of course, how much it covers ultimately depends on the amount you get for your policy, but even a little bit is better than nothing.
UM also provides protection for you in other vehicles, for hit-and-run accidents, and usually even if you are just a pedestrian and you are involved in an accident. It’s relatively inexpensive to add to your policy and it provides you with a little extra protection out there on the road.
Contact a Wichita Falls Car Wreck Lawyer
If you or anyone you know has been injured in a car wreck in Wichita Falls, contact our Wichita Falls car wreck lawyer at 940-569-4000 or fill out our contact form to set up a free, confidential, no-obligation consultation. We will give you a free evaluation of your case and offer you helpful information on how to proceed.