The minimum insurance requirements are just that: bare minimums. They provide enough coverage to take care of the fallout of the vast majority of accidents, but there are many scenarios where this level of coverage would prove woefully inadequate. It’s important to remember that this coverage applies to your own vehicle and your own medical expenses as well. If your vehicle is destroyed as a result of an accident you caused, you’ll be on your own if all you’re carrying his liability insurance.
You may end up in a situation where you’re in a wreck with another driver who isn’t carrying any insurance at all. You’ll want to make sure that you carry what’s called uninsured motorist coverage so that you don’t end up in a situation where you can’t recover your losses if the other driver is financially irresponsible.
If you’ve been injured as a result of another driver’s negligence, consider hiring a Dallas auto wreck lawyer to handle your claim for you. A car accident attorney can likely recover substantially more compensation than you would on your own, and you never have to pay them out of your own pocket (they only charge a fee if they actually win you money). For more information, call us at (214) 651-6100.