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Texas Department of Insurance
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What is uninsured motorist coverage, and do I really need it?


It’s bad enough when you’re in a car wreck. But it can be much worse if the driver who caused the accident doesn’t have insurance or doesn’t have enough insurance. Uninsured/underinsured motorist coverage can help. It’s like buying an extra insurance policy to cover you when the driver who caused the accident didn’t have enough insurance.

  1. Does my regular auto policy help?

    Most auto policies include collision coverage that will pay for car repairs if you’re in an accident with an uninsured or underinsured driver. Your auto policy might have medical payments and personal injury protection coverages that will pay medical bills.

    Collision and medical payments coverages might not pay enough if you have an expensive vehicle or if you need long-term medical care. Your health plan will kick in to cover your injuries, but it won’t cover long-term care needs or help if you aren’t able to work.

  2. What coverages do I get?

    Uninsured/underinsured coverage pays for:

    • Car repairs and to replace the property in your car.
    • A rental car if you need it.
    • You and your passenger’s medical bills.
    • Pain and suffering costs.
    • Diminished value if your car is worth less after the accident.

    The deductible for uninsured/underinsured coverage is $250. The deductible if you use your collision is likely much higher.

  3. Who needs uninsured motorist coverage?

    Anyone who drives could need it. You never know when the person who hits you will have insurance or enough insurance to pay for your injuries and damage to your vehicle. Uninsured/underinsured motorist coverage also pays if you’re in a hit-and-run accident and the other driver can’t be found to pay for damages.

  4. How much coverage can I get?

    You can usually add more uninsured/underinsured coverage in $5,000 increments. A rule of thumb is to add at least enough property damage coverage to replace your vehicle. Ask your agent what coverage would work best for you.

    Insurance companies must offer uninsured motorist coverage when you buy auto insurance. If you don’t want it, you have to turn it down in writing.



Questions? Call us at 800-252-3439.

Last updated: 5/15/2024