Understanding Uninsured Motorist Coverage in Texas

What is Uninsured Motorist Coverage?

Uninsured motorist coverage, also known as UM/UIM insurance, is a type of auto insurance that provides financial protection if you're involved in an accident with someone who doesn't have liability insurance. This type of coverage is often required by law in Texas and other states.

In the event of an accident, uninsured motorist coverage can help pay for medical expenses, lost wages, and other related costs. It's essential to understand that this type of coverage does not apply if you're at fault in the accident.

Why is Uninsured Motorist Coverage Important?

Unfortunately, it's not uncommon for drivers to be uninsured or underinsured. According to the Texas Department of Insurance, in 2020, there were over 1 million uninsured vehicles on the road in Texas alone.

As a result, it's crucial to have adequate insurance coverage to protect yourself and your loved ones from financial devastation in the event of an accident.

How Can I Get Uninsured Motorist Coverage?

If you're looking to purchase UM/UIM insurance, it's essential to work with a reputable insurance provider. You can also check with your current insurance provider to see if they offer this type of coverage.

It's important to note that uninsured motorist coverage is typically optional and may not be included in your standard auto insurance policy.