Texas has a high rate of uninsured drivers — in Bexar County/San Antonio, it’s estimated at around 20-25%. That makes Uninsured/Underinsured Motorist (UM/UIM) coverage one of the most important optional add-ons.
What UM/UIM Covers:
- Bodily injury to you and your passengers.
- Property damage to your vehicle.
- Hit-and-run incidents.
It acts like insurance for the other driver when they don’t have enough (or any) coverage.
Why It Matters Locally:
- Heavy traffic on I-10, I-35, and Loop 1604 increases accident risk.
- UM coverage is relatively inexpensive but provides major protection.
Recommendation: Carry UM limits that match or exceed your liability coverage. Most experts say it’s a must-have in San Antonio.
No comments:
Post a Comment