Why You Need Uninsured Motorist Coverage
If you have been in a car accident, chances are you have dealt with another driver’s insurance company. But what if the other driver didn’t have insurance? That’s where Uninsured Motorist Coverage comes in. Uninsured Motorist Coverage (UM) Uninsured Motorist Coverage, or UM, protects you if you are hit by a driver who does not […]
This Mistake Cost Our Client $10,000
One of our clients realized that she’d made a costly mistake when choosing her insurance coverage after she was injured in a car accident. The Mistake Our client chose to add Medical Payments Coverage (MedPay) to her auto policy instead of Personal Injury Protection coverage (PIP) when she chose her auto insurance. Why is This […]
What is PIP (Personal Injury Protection) Coverage?
PIP coverage, which stands for Personal Injury Protection, is insurance coverage that will pay for costs related to injuries from a car accident for you and your passengers, regardless of who is at fault. In Texas, it’s required that at least $2,500 in PIP coverage be offered to drivers, but you can opt for higher […]
I Was In An Accident With My Spouse. My Spouse Is At Fault. I’m Hurt. Can I Make A Claim Against My Own Policy?
If you are not at fault for the accident but your spouse who shares your insurance policy is, you are still able to make a claim against the Bodily Injury Liability portion of your insurance policy. Depending on the language of your policy and the facts of the wreck, you may also be able to […]
What Does “Subrogation” Mean in Regard to Health Insurance?
If your health insurance pays for your medical treatment that is related to a car accident caused by someone else’s negligence, they can later ask to be paid back out of your settlement. This is called a subrogation interest. It’s a reimbursement to your health insurance company for the costs of your medical treatments after […]