Pursuing an Uninsured or Underinsured Motorist Claim in Texas

When you purchase uninsured and underinsured motorist (UM/UIM) coverage, you’re securing an important safety net. There are approximately two million uninsured drivers on Texas roadways and many, many more carrying minimum liability coverage. That means the chances of being in a serious car accident and learning that the responsible party’s insurance won’t cover your medical […]

Uninsured vs Underinsured Motorist Coverage in Texas

All drivers are required to carry liability insurance in the State of Texas. Uninsured and underinsured motorist coverage are not required in Texas, however, your automobile insurance carrier is required to offer it to you. While many drivers are inclined to purchase only what’s legally required, it is important to fully understand the different types […]

What is the Difference Between First-Party Insurance vs Third-Party Insurance?

What is First Party Insurance? First-party insurance is insurance that is purchased to cover the named policy holder (“insured”) against damages or losses suffered by the policy holder to his person or property. The policy holder may be a company, an individual or group of individuals of a particular class (such as employees of a […]

So You Think You Have Enough Underinsured Motorist Coverage? Think Again.

How Much Underinsured Motorist Coverage Do You Really Have? Texas law allows insurance companies to arbitrarily deny your underinsured motorist claim without fear of repercussion. Underinsured Motorist Coverage (UIM) is extra insurance you buy so that if you get seriously injured by someone carrying a policy that does not have sufficient limits to cover all […]