SUMMER ROAD "TIPS"
What to Know BEFORE Planning a Summer Road Trip
Many people are planning to drive to their summer vacation destinations this year. Before hitting the road, there’s important insurance information to consider.
According to the Texas Department of Insurance, 1 out of every 5 vehicles in Texas is uninsured. This means that if you are in a wreck with an uninsured driver and you or your loved ones get hurt, there won’t be any coverage for harms and losses, medical expenses and lost wages, unless you have the right insurance coverage.
The right coverage is commonly referred to as Uninsured Motorist (UM) and Underinsured Motorist Coverage (UIM).
Uninsured Motorist Coverage is the part of your auto insurance that acts like the at-fault driver’s insurance when there is no liability insurance. If the other driver does have liability insurance, but it’s not enough to cover all of your harms and losses, your underinsured motorist coverage would kick in. It would cover your harms and losses above the at-fault drivers liability limits and up to your UIM limits. The coverage is the same but fits both of these situations.
We recommend you review your auto insurance policy to ensure you have this coverage. You can hit the road knowing that your family is protected from uninsured and underinsured drivers.
For additional information on how to protect your family from uninsured drivers in Texas, request our free book, Buying Car Insurance.