Uninsured / Underinsured Motorist
About 20% of Texas drivers are uninsured, and many more carry only state-minimum liability. UM/UIM coverage steps in when the at-fault driver can't pay for your injuries or vehicle damage.
The specifics.
Medical bills, lost wages, pain and suffering, and vehicle damage caused by an uninsured or underinsured at-fault driver, up to your selected limits.
Real-world impact.
Texas requires carriers to offer UM/UIM but many drivers waive it to save $10/month. Given how common uninsured drivers are in Texas, that's rarely worth it — a serious accident with an uninsured driver otherwise comes out of your own pocket.
Other coverages inside your auto insurance policy.
Liability Coverage
Pays for injuries or property damage you cause to others in an at-fault accident.
Learn moreCollision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault.
Learn moreComprehensive Coverage
Covers non-collision damage — hail, theft, vandalism, fire, and animal strikes.
Learn moreSR-22 Filing
State-required proof of insurance for high-risk drivers.
Learn moreRoadside Assistance
Towing, lockout, jump-start, and flat-tire help — 24/7.
Learn more
Get uninsured / underinsured motorist added to your policy today.
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