Should I ask for my UM/UIM/PIP signed rejections after a car accident?
Yes—you should always request your signed UM, UIM, and PIP rejection forms after a car accident. Texas law requires that all automobile liability policies include Uninsured/Underinsured Motorist (UM/UIM) coverage unless the insured has expressly rejected it in writing, as mandated under Texas Insurance Code §1952.101. Similarly, Personal Injury Protection (PIP) coverage must be offered, and a rejection must also be in writing. By requesting these forms, you can confirm exactly what coverage is in effect and avoid any disputes later when filing a claim or seeking compensation for your injuries.
Texas Drivers Are Often Underinsured or Uninsured
Texas is unique in that a significant number of drivers are uninsured or underinsured, despite mandatory insurance laws. Many drivers carry only the minimum coverage or reject additional protections to save money, leaving accident victims financially vulnerable. UM and UIM coverage acts as a safety net, ensuring that you can recover compensation regardless of the at-fault driver’s insurance status or personal assets. Without verifying your signed rejections, you may unknowingly waive important protections that could cover medical bills, lost wages, and pain and suffering.
What Happens If Your Insurance Company Cannot Provide Proof
If your insurance company cannot provide proof that you validly rejected UM/UIM or PIP coverage, the law presumes that you are entitled to the state-mandated minimum coverage. This includes $30,000 per person and $60,000 per accident for UM/UIM bodily injury coverage, and $2,500 for PIP coverage. Knowing your coverage limits is critical when negotiating with insurance companies or pursuing compensation through legal action.
Protecting Your Rights and Your Recovery
Requesting your signed rejection forms gives your attorney the ability to quickly evaluate your policy and determine the best strategy for recovering your full damages. It provides documentation that protects you if the insurance company later claims you waived coverage or misstates your policy selections.
