Uninsured motorist insurance is an important type of insurance that covers “you” for both bodily injury and property damage. The limits are generally comparable to your limits of liability. 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. 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.
Knowing the different types of coverage can help you decide what insurance to buy and to navigate the insurance system in the event of an accident. If it's not clear if the other driver is not insured or not, the insurance company assumes the burden of proving that the other driver is insured. For one reason or another, approximately 15 to 20% of drivers driving on the road in Texas don't have auto insurance coverage (they never bought it in the first place, they didn't make a payment, they drive a car they bought but forgot to add to their car policy, allowing the driver who has been excluded from the auto policy to drive the vehicle). When you take out a liability insurance policy for your car, your insurer is required to provide you with coverage for uninsured drivers.
If the insurance company can't prove that the other driver has insurance, you can file an uninsured motorist insurance claim. Your insurer must provide you with at least the minimum limits of liability in uninsured motorist insurance coverage for car accident injury claims, but your limits on uninsured motorist insurance cannot be increased to an amount greater than your liability limits under the liability portion of your auto insurance policy. 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.
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