No, you don't need property damage insurance for uninsured drivers in Texas; it's optional. Yes, you need coverage for uninsured drivers, even if you have comprehensive and collision coverage. 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. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as acts of vandalism or a natural disaster.
And you would need coverage for uninsured motorists. Read the full answer on personal injury protection (PIP) or MedPay to cover your medical expenses after a collision with an uninsured driver. Most auto policies sold in Texas include some coverage for uninsured or underinsured motorists, but that may not be enough, especially if you have an expensive vehicle or if you ever need long-term medical care. Insurance companies must offer coverage for uninsured drivers when purchasing car insurance.
If you don't want it, you have to reject it in writing. Coverage for uninsured drivers is mandatory in Texas. This is mainly because, while it is mandatory for all drivers to have a liability policy on their vehicle, not everyone has one. According to several studies, up to one in five drivers in Texas is uninsured.
Uninsured motorist (UM) coverage protects the policyholder by paying for injuries or damages that result from a car accident caused by a driver who does not have enough insurance. Uninsured motorist insurance in Texas covers your expenses after an accident caused by a driver who doesn't have car insurance or lacks sufficient coverage.