Underinsured Motorist Coverage: Why Houston Drivers Shouldn’t Rely on Minimum Limits 

Driving in Houston means sharing the road with thousands of other vehicles every day. While Texas law requires all drivers to be able to prove financial responsibility, which most do by purchasing minimum amounts of auto insurance, these limits may not be enough to fully cover you after an accident, especially if the other driver is underinsured.

At AMCO Gulf LLC, we believe it’s essential for Houston drivers to understand the financial risks of relying solely on minimum limits and the value of underinsured motorist coverage.

The Risks of Relying on Minimum Limits

Relying on state minimums can leave you financially vulnerable. Texas auto insurance minimums may not be enough to cover your liability, especially in severe collisions. Medical costs, vehicle repairs and lost wages can quickly exceed the minimum coverage amounts. If you’re hit by a driver who only carries the minimum (or has no insurance at all), you could be left paying out of pocket for your own medical bills and repairs if you don’t have appropriate coverage.

How Underinsured Motorist Coverage Helps

Underinsured motorist (UIM) coverage is designed to financially protect you when the other driver’s insurance isn’t enough. This coverage can help pay for your medical expenses, lost income and other costs if you’re injured by a driver with insufficient insurance.

Our team at AMCO Gulf LLC is here to help you review your auto insurance options. Don’t wait until after an accident to discover your coverage isn’t enough.

Contact us today to discuss your policy and learn how underinsured motorist coverage can help provide appropriate financial protection.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.