Austin School Bus Wreck Is An Example Of The Need For Uninsured/Underinsured Motorist Coverage

  I’ve written often about the need for you to buy uninsured/underinsured motorist coverage when you purchase your automobile insurance coverage.

Yesterday, there was a bus wreck in Austin when a car apparently ran a red light and hit the bus, almost forcing it over a bridge.  Though reports say no one was hurt, four kids were taken to Dell Children’s Hospital. 

This wreck is a prime example of why it is so important to purchase uninsured/underinsured motorist coverage. 

In Texas, the minimum insurance that a driver is supposed to purchase is $30,000/$60,000 coverage.  That means the most the insurance company could be forced to pay to any one person in a wreck is $30,000, and the most they could be forced to pay to all of the injured persons combined is $60,000.

Multi-victim wrecks, like this one, really test the $60,000 limit.  Even if everyone has small claims, when there are 20 or 30 people injured, that $60,000 doesn’t go a long way.  The only way to make sure that you’re fully compensated is by having your own uninsured/underinsured motorist coverage to protect you.

While most of us aren’t on buses any more, our kids may be.  And while we might not be in a bus wreck, it is very possible that we’re in  multi-vehicle wreck where five or six people are injured.  Again, one or two of those people going to the hospital will eat up that entire $60,000.  And like the bus wreck, the only way to make sure you’re compensated for your losses is to have UM/UIM insurance.

Schuelke Law maintains offices in Austin, Texas. However, our attorneys and lawyers represent clients throughout the state of Texas, including Dallas, Houston, San Antonio, Forth Worth, El Paso, New Braunfels, San Marcos, Kyle, Buda, Round Rock, Georgetown, Lockhart, Bastrop, Elgin, Manor, Brenham, Cedar Park, Burnet, Marble Falls, Temple and Killeen. By Brooks Schuelke

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