The McAllen Monitor has an article today about a new program to try to catch uninsured drivers. According to the article, 20% of Texas drivers do not carry liability insurance. My experience leads me to believe that the number is much higher in the Valley. In fact, the article showed that DPS had issued over 10,000 citations for no insurance last year in the Valley!
So what happens when an uninsured driver smashes into you? Well, that driver will get a ticket, but you will be left with a damaged vehicle, and often with large medical bills. While the driver is technically responsible for the damages he or she caused, the reality is that people who cannot afford liability insurance rarely have enough money to pay for the harm they cause.
You can protect yourself from irresponsible, uninsured drivers, but you have to do it before you get in a wreck. Buy Uninsured/Underinsured Motorist insurance, which is one of the best insurance products out there. It provides coverage in cases where the other driver has no insurance, and also in wrecks where the other driver's insurance is not enough to cover all of your damages. Uninsured/Underinsured Motorist coverage is suprisingly affordable, and if you are even in a wreck it may be the difference between getting compensated or having to file bankruptcy because you can't pay a massive hospital bill.
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