Uninsured/Underinsured Motorist Coverage

What is uninsured/underinsured motorist coverage?

Uninsured/underinsured Motorist Coverage pays for damages and/or injuries that an automobile accident causes when the at fault driver does not have any insurance, or does not have enough insurance to pay for the accident. 

Uninsured/Underinsured Motorist Coverage also protects you if you are the victim of a hit and run accident. 

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What is covered by uninsured motorist coverage? What is not?

Of course your coverage with vary depending on the policy you choose, but most policies offer property damage and/or bodily injury.  Property damage may cover auto repairs, total loss, a rental car, and damages to any personal belonging you had in your automobile.  Bodily Injury coverage may cover medical bills, funeral expenses, lost wages due to the accident, pain and suffering, disfigurement and disability. 

Who is covered by unisured motorist coverage?

You, your family members, your passengers, and anyone driving your car with permission is covered by your uninsured/underinsured motorist coverage. 

How much uninsured motorist coverage should I purchase?

Some people debate over whether Underinsured/Uninsured Motorist Coverage is necessary in Texas because Texas law requires that all drivers carry at least a Basic Liability Insurance Policy.  However, many still find the added security that Uninsured/Underinsured Motorist Coverage provides is worth the cost.  Many experts recommend your purchase $100,000 in Underinsured/Uninsured Motorist Coverage. 

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