Every week I have this discussion with more than one potential new client. Why do Texas Legislators think Cars are Worth More than People? The discussion usually comes up when someone has been seriously injured in a car wreck. They advise that the hospital is calling several times a day trying to collect money for medical bills that were caused by someone else being responsible for the collision. People are always amazed to learn that their definition of fully covered provided by their insurance agent doesn't even include coverage if they are hit by an uninsured driver.
Why do I say Cars are Worth more than People? When insurance is sold as legal requirements in Texas, the insurance is 30/60/25. That means that no one person can collect more than $30,000 even if the collision causes death and that no group of people can collect more than $60,000 even if there are 3 deaths from the same collision. However, you can make a claim for $25,000 for property damage. So you can break an arm, break a leg, need surgery for a back or neck injury and the most you can collect is $30,000. Your car was purchased for $40,000.00 The most you can collect is $25,000 because that is considered fully covered in Texas.
Don't you think it's time to increase the limits to 50/100/50? Also, don't you think that insurance agents should stop calling fully insured a product that does not include insurance coverage when you are hit by someone that does not have insurance?
Lets call fully covered automobile coverage that applies equally for liability and uninsured or underinsured motorist coverage.
Drive Safe – X THA TXT
Say No to Distracted Driving.
Jeff Weinstein, Car accident lawyer