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Driving uninsured: the basics

Even with state laws that require drivers to pay for damage they cause from an accident, countless Texans are without insurance coverage. While many push vehicle insurance to the back-burner, having coverage can make all the difference in the case of a wreck. Below are some of the basic facts consumers can review when it comes to having insurance on the road.

Pocket Sense explains the ins and outs of vehicle insurance coverage, focusing first on accountability. If an uninsured driver is responsible for an accident, they may have to pay expenses out of pocket. While liability coverage encompasses damage caused by the driver at fault, some drivers simply drive without such coverage. As for situations in which the uninsured driver refuses or is unable to pay for damages, Pocket Sense states that the other driver involved may need to take action in court. Other factors to consider are the varying state laws regarding property damage requirements. 

When Texas drivers hit the roads insured, they may wonder what, exactly, their plans cover. The Insurance Information Institute shares that most vehicle insurance plans cover the following:

  • Bodily injury liability
  • Collision
  • Uninsured/underinsured drivers
  • Personal injury protection
  • Property damage liability

In the case of an accident that involves an uninsured or underinsured motorist, plans that include these factors can provide coverage. The III also points out that this branch of vehicle insurance also usually covers incidents such as hit-and-runs and accidents that involve pedestrians. It may be a gamble to get behind the wheel uninsured in Texas, as paying the price of just one wreck can become a mountainous challenge. 






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