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Underinsured/Uninsured Drivers

Uninsured Motorists (UI)

In Texas the term “Uninsured Motorist” has three legal definitions:

  • First, the driver of a motor vehicle does not carry liability insurance coverage,
  • Second, an unidentified driver in a hit-and-run accident, and
  • Third, an insured driver whose insurance carrier denies coverage or is insolvent.

Despite mandatory liability insurance laws, an estimated 21% of all motorists on Texas roads and highways are uninsured, making it one the highest uninsured driving populations in the country. While no one likes to talk about motorcycle insurance, it is evident that every motorcycle operator needs it and needs, as well, to make sure of protection against uninsured drivers. If the other driver has no insurance and is partially or wholly at fault, it is vital not to be left stranded. We advise that you talk to your motorcycle insurance broker about UI coverage.

Underinsured Motorists (UIM)

An underinsured motorist is one who has liability insurance with limits that are lower than the injured party’s underinsured motorist coverage limits. In Texas, those who carry insurance often only have the minimum policy limits of $30,000. Unfortunately, with the high cost of health care, just one hospital visit could cost in excess of that minimum coverage. When you face the possibility of the types of injuries associated with motorcycle accidents, the other driver’s $30,000 policy isn’t going to protect you. UI and UIM protection can make the difference for you against uninsured/underinsured drivers.

When uninsured or underinsured motorists cause crashes, victims with UM/UIM coverage can have options for seeking the recovery they deserve for their injuries and losses.

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