What does fully covered or fully insured mean when it comes to automobile insurance in Texas? If I go outside right now and ask 10 people, my bet is that 9 out of 10 say full coverage means no matter what happens in a wreck, they are fully covered by their insurance policy. Sorry, that's not what means. In Texas, insurance companies tell you that full coverage means liability coverage only. In the event you cause a wreck, you are covered for causing injuries and/or property damage up to the amount of your insurance coverage. Cause a wreck by hitting someone, they go to the hospital and receive treatment and you are covered with liability coverage. your insurance will pay up to the amount of coverage you have. Minimum limits in Texas are 30,000 per person and 60,000 for all people that are hurt because of your actions.
What if the wreck is not your fault but the person that hit you doesn't have insurance? Unless you have Uninsured Motorist Coverage, you are not covered. Your liability policy doesn't cover this scenario.
What if the wreck is not your fault, the person that caused the wreck does have insurance but it is not enough to cover your $50,000 medical bill? Unless you have Underinsured Motorist Coverage, you are not covered. Your liability insurance does not cover this scenario.
What's the answer. Demand that your insurance policy contain Personal Injury Protection of $10,000 and request limits of liability of 100,000 with Underinsured and Uninsured Motorist Coverage of 100,000 as well. Your insurance may cost you another $100 or $200 per year but it will be worth it.
Drive Safe – X THA TXT
Jeff Weinstein, Dallas injury lawyer