Dallas Insurance Dispute Lawyer

Types of insurance you should carry to
protect yourself:

Personal Injury Protection: Personal
injury protection (PIP) pays for not only
medical bills, but 80% of your lost income,
and reasonable household duties (so if
you couldn't mow your lawn due to your
injury, it would pay for you to hire someone
to do it for you . . . if you were doing it
yourself before). Get as much coverage
as your insurance company will sell you.
Most will sell you at least $10,000.00 in
coverage under PIP.

Uninsured/Underinsured Motorist
Coverage: About 1 in 3 people driving on
the roads in Texas are uninsured. If you
don't have collision coverage on your own
vehicle, you will not be able to get your
vehicle fixed, or have your medical bills
paid, if one of these uninsured people run
into you (if you don't have uninsured
motorist coverage). You need uninsured
motorist coverage to protect yourself.

Underinsured motorist coverage is
needed in case the person who hits you
doesn't carry enough insurance to pay for
your entire loss. For instance, in Texas,
most people have the "minimum"
coverage required by law. This means
they only have $15,000 in coverage to pay
for your vehicle if they total your car. Most
new cars today cost far in excess of that
amount. You will need underinsured
motorist coverage to cover the difference.

Liability Coverage: Make sure you are
carrying adequate liability limits. The
minimum amount required by law hasn't
changed in 20 years. What was an
amount that was adequate 20 years ago
is not adequate today. $20,000 coverage
for an injury is not enough to cover even a
small but serious injury claim (such as a
broken bone, or a case where someone
might need minor surgery). Your assets
and credit are at risk if you have a
judgment against you in excess of your
coverage amount. Get more than
minimum limits, in order to obtain real
coverage to protect yourself.