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Texas uninsured and underinsured motorist coverage

September 7, 2009

Texas law requires all drivers to carry a minimum level of car insurance. However, not all drivers have insurance, choosing instead to drive uninsured in violation of the law. Others do have insurance, but that insurance proves to be inadequate in the event of an actual car accident.

An uninsured motorist is simply a driver that does not have any car insurance. An underinsured motorist is a driver that does have some car insurance, but it is insufficient to cover all of the losses, such as vehicle damage and medical bills, resulting from the accident.

You can choose to purchase additional car insurance that will cover you in the event that you are in an accident with an uninsured or underinsured motorist. Texas offers two types of uninsured/underinsured motorist (UM/UIM) coverage: bodily injury and property damage.

Bodily injury UM/UIM coverage: payment without a deductible for medical bills, pain and suffering, disability, disfigurement and lost wages.

Property damage UM/UIM coverage: Payment for car repairs, a rental car and damage to property carried in your vehicle with an automatic $250 deductible.

Texas law requires that your insurance company offer these two types of coverage to you, but you are not legally required to purchase them.

If you have been injured in a Texas car accident caused by an uninsured or underinsured motorist, contact Fears | Nachawati today. We will provide you free legal advice on your rights and the steps you can take to recover for your injuries. Simply email us at or call us on our toll-free hotline at 1.866.705.7584.


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