Car insurance is one of those types of insurance that people cannot afford to live without and this fact of life has been proven time and again through the implementation of the Dallas UM Ordinance. The fact of the matter is that we have no idea what can happen tomorrow, and God forbid that we are ever involved in a car accident. In the United States, vehicle insurance is designed to cover the risks of financial liability in the situation of a collision, or accident. The rules and regulations of car insurances vary from state to state. Furthermore, the privileges and immunities clause from the U.S. Constitution are applied according to the rules of the state in which it was made, no matter the area where the driver is traveling. Let’s take a closer look at the rules and regulations in Dallas.
The various types of car insurance in Dallas
First of all, there are different types of car insurances, as we already mentioned, and they may cover property damage, collision, personal injury protection (PIP), uninsured and under-insured, and car rental. Each of these criteria takes into account specific types of scenarios. The PIP and UM/UIM types of coverage are especially useful because they are cheap, and they will protect your entire family in case of difficult situations. There are also cases in which the second party is not insured, but they will still be able to cover your medical bills or lost wages.
Under the provisions of the Dallas UM Ordinance, if you are ever in a UM/UIM (uninsured or under-insured) situation, in Dallas, you should make sure that the other driver was at fault, in order for him to cover all the bills and costs. If you are not sure how to proceed, consult with an attorney beforehand.
What does the Dallas UM Ordinance say?
You should be extra-sure that you are insured, because in the city of Dallas, Texas, a recent ordinance was passed. According to it, drives that are pulled over and do not have proof of insurance, will have their car towed right away. In order to retrieve the impounded, the driver had to show a license or ID to prove that he is indeed the owner of the vehicle. This regulation alone managed to identify many impounded cars that were driven by illegals. Obviously, if you want to retrieve your beloved vehicle, you will also have to pay a tow of 350 dollars. Although many drivers are not fully in accordance with it, most voices consider that this measure is imperative.
The Dallas UM Ordinance actually goes by the name of the Uninsured Motorist Ordinance, and it was approved in May 28, 2008. It was a response to the worrying number of people who are driving in the City of Dallas without the required auto-insurance. It was anticipated that the new rule will lead to fewer citations in regard to motorists with no auto-insurance, but they probably did not expect to catch illegal users as well.
In conclusion, the city of Dallas is doing all it can to clear the streets of irresponsible drivers, and also to somehow force those without one to remedy the problem as soon as possible. Remember, vehicle insurance will save you large amounts of cash if you ever have an accident, so it is worth investing in it. You will have no choice, either way.