Drivers in Ft. Worth, TX and around the state are required to have automobile insurance before they get on highways and interstates of the Lone Star State. Many people drive without insurance. If one of them hits you, will your insurance cover the damages to your car or your personal injuries? The same can be asked about hit-and-run drivers.
Ask your representative at Main Street Independent Insurance whether you should include coverage for uninsured or underinsured drivers your auto insurance policy.
Uninsured/Underinsured Motorist Coverage
Under Texas law, you can buy additional coverage that pays for damages and injuries due to an accident caused by uninsured and underinsured motorists. Optional coverage means that you don’t have to include this part of your regular insurance policy. However, you must put it in writing that you refused the coverage.
This type of coverage protects your family members and other passengers inside your vehicle at the time of an accident. It also includes anyone driving your vehicle with your permission.
This versatile policy covers medical or funeral expenses, car rental, auto repairs, and the replacement of a vehicle if necessary. Ask your agent if you should include the following in your uninsured motorist coverage:
- Lost wages
- Pain and suffering
- Disfigurement, and disability (up to your policy’s maximum)
You work too hard for your money to let someone else’s irresponsible actions put you at risk. Contact your representative at Main Street Independent Insurance to discuss your uninsured or underinsured insurance options. Feel free to make an appointment for a quote at our Ft. Worth, TX office. If you have any questions about auto or other types of insurance, call us at 855-662-6246 today.