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Uninsured/Underinsured motorist – These coverage types cover your injuries if you are harmed by another driver who is not insured, is underinsured or in cases of a hit-and-run. All Texas ...
Car insurance providers are also legally obligated to offer uninsured and underinsured motorist coverage ... The average cost of car insurance in Texas is $2,613 per year for a full coverage ...
You incur $25,000 worth of medical bills and carry $25,000/$50,000 in uninsured motorist coverage. Having this coverage would help you avoid out-of-pocket medical expenses. Optional car insurance ...
Uninsured motorist clause. An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause.
The term full coverage is actually a misnomer because, even within traditional "full coverage" insurance, there are many different types of coverage, and many optional amounts of each. "Full coverage" is a layman's misnomer that often results in drivers and vehicle owners being woefully underinsured.
In states where there is a choice of coverage, most consumers choose traditional tort regimes because the cost of the no-fault regime is more expensive. 24 states originally enacted no-fault laws in some form between 1970 and 1975; several of them have repealed their no-fault laws over time. Colorado repealed its no-fault system in 2003.
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