How Texans Are Harmed
You assume that other drivers next to you are covered by liability insurance, right?
Not necessarily. We have 2.6 million uninsured drivers in Texas. And Texas insurance companies are allowed to sell “junk policies” that eliminate coverage to anyone who is not listed. As a result, many people buy them so they can exclude their reckless 16-year-old sons and spouses with histories of DWI’s and car accidents.
This means you won’t be able to collect any money for your medical bills, lost wages, and damages if one of these uninsured drivers crashes into you. Does that sound fair to you?
When the 1.2 million drivers with these junk policies are added to all those without insurance, there’s a 30% chance you won’t get paid back.
I’ve had to deal with this situation more often than I’d like as an injury lawyer for the past 37 years and I’m concerned that people are often placed in this unjust position.
Everyone loses: the injured driver who must file a claim with his own company and pay a big deductible (assuming he paid for uninsured motorist coverage), the at-fault driver left open to being sued, and doctors who are not repaid.
Since Texans are the worst drivers in the U.S., we need all the protection we can get on our roads.
I’ve advocated that our state leaders meeting in Austin keep motorists safer by passing laws which will ban texting while driving, lower the DWI limit, and preserve our economical way to prove medical services and bills that are needed for trials.
Requiring that ALL drivers be covered by liability insurance is another easy and sensible way our legislators should be safeguarding our rights. Continue reading