The Insurance Journal estimates that between 12 to 14% of Texas drivers do not have insurance. In the Rio Grande Valley, it is believed that the number is even higher. When an insured driver causes an accident, the insurance will pay to have your car repaired and will compensate you for your injuries, medical bills, and any lost wages you might incur as a result of the crash. With an uninsured driver, you can be left to bear all costs for repairs, injuries, and lost wages. If you have full coverage on your vehicle, you can at least get it repaired. If you do not, you will have to pay out of pocket for repairs.
This risk can be offset by purchasing uninsured motorist coverage. Uninsured motorist coverage is a type of insurance that will protect you if you are in an accident with an uninsured driver or if you are the victim of a hit-and-run accident.
You can learn more about protecting yourself with uninsured motorist coverage in case of an accident in the Rio Grande Valley here: