Helpful agents are standing by: (713) 388-6900
Press play below to listen to our audio commercial:

Texas DMV: Distinctions Between Uninsured Motorist And Uninsured Coverage’s

First of all, it is necessary for people to have insurance in Texas. Without insurance, it is difficult for you to drive in a state like Texas. Texas DMV is always there to aid you in this regard. It offers different possible rates for insurance and tells you how to save you in difficult situations. It happens most of the time in Texas that your car is hit by an uninsured motorist. In this case, even if your car is insured but you are in trouble. Hit by an uninsured motorist may cause you to pay the damages. In this case, no claim of damage or collision is liable on your insurance company to pay the damages. Moreover, you have to pay from your own pocket to pay the damages. If a situation like this arises then it is wisdom to get UIM policy in your insurance plan.

What is UIM and how does it help?

UIM is an uninsured motorist and it is a help from your insurance company to facilitate you in case your car is hit by the car that is uninsured. In this way, if your car is collided by UIM then you do not have to worry because your insurance agent knows that you have this facility to get financial compensation in the given scenario. Otherwise, it is a serious issue where no insurance companies in Texas facilitate you. They simply refuse by saying that the other car was uninsured. Although it isn’t your fault but still, you become a victim. You are a victim because you cannot guarantee the insurance of other cars. What you can do is to have the auto insurance of your car. Sometimes, we have to pay for what we haven’t done. So, relax and consult Texas DMV. They will simply ask you to add-on the UIM plan to your existing insurance plan. In this way, your car and you will be saved.

Limitations of UIM coverage in TX

There are few limitations of UIM coverage. Every option comes with some pros and cons. Suppose your insurance policy liability is $30,000 which your insurance company has to pay in case you hit the other car. In this case, you cannot go for the UIM coverage for more than $30,000. You can only claim for UIM within your insurance liability price and not more than that. So, you have to consider this factor when applying for UIM. Texas DMV is always there to guide you and assist you in these difficult scenarios. It helps in knowing the facts and figure. It helps in approaching the right person and a right direction. Texas really facilitates their drivers with multiple driving schemes and insurance policies. All you have to do is to break the ice and get yourself facilitated.

To get the most reliable rates of insurance for your state, enter your ZIP code in the top bar of the page and get details. It will give you all the detailed and compared prices of different Texas auto insurance companies.