What Texas Drivers Need to Know About Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage is crucial for ensuring that you are financially protected in an accident with an at-fault driver who has no insurance or insufficient coverage.

Without uninsured and underinsured motorist coverage, you could be left in a difficult financial situation if you are involved in an accident with an uninsured driver.

Understanding Underinsured and Underinsured Motorist Coverage

Many drivers in Texas still operate their vehicles without auto liability coverage. If an at-fault uninsured driver hits you, you could be left with significant out-of-pocket expenses for medical bills, vehicle repairs and other costs associated with the accident. Uninsured and underinsured motorist coverage can cover these expenses, ensuring that someone else’s negligence does not financially burden you.

This coverage can also provide coverage if you are involved in an accident with a driver who has insurance, but their coverage limits are insufficient to cover the full extent of your damages. Uninsured and underinsured motorist coverage helps bridge this gap by covering the difference between the at-fault driver’s insurance limits and the actual costs of your medical bills, vehicle repairs and other related expenses.

Having uninsured and underinsured motorist coverage as part of your auto insurance policy is essential for complete protection on the road. This coverage provides a safety net that ensures you are not financially devastated by an accident with an uninsured or underinsured driver. Your agent can help review your policy and understand the coverage limits to ensure that you have adequate protection.

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This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.