However, insurers are required to offer it. The denial of coverage must be in writing, either by electronic or wet signature. While it may be tempting to turn down this coverage to lower premiums, you may be at significant risk. A lack of coverage for uninsured or underinsured drivers could leave you financially vulnerable.
When you buy car insurance in Texas, your insurance company is required to offer you coverage for uninsured or underinsured drivers. Because the legal category of people entitled to refuse such coverage included any insured mentioned in the policy, the court examined the standard auto insurance policy form that was used when the Legislature enacted Articles 5.06-1 (UM Act) and 5.06-3 (PIP Act) of the Texas Insurance Code. Therefore, it's important to consider coverage for uninsured or underinsured drivers every time you purchase or renew your car insurance policy. Where it specializes in insurance coverage and bad faith, involving all types of insurance policies, both its own and those of third parties.
Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses at all after a collision.