If a driver without insurance hits you, their missing coverage can become your bill. Uninsured motorist coverage steps in to pay for injuries and damage from a crash you didn't cause.
Uninsured vs. underinsured
Uninsured motorist coverage applies when the at-fault driver has no insurance. Underinsured motorist coverage applies when the at-fault driver has some insurance, but not enough to cover all your costs. They're usually sold together.
What it pays for
- Uninsured motorist bodily injury (UMBI)
- Medical bills, lost wages, pain and suffering, and funeral costs for you, your household and your passengers. It may also cover you as a pedestrian or on a bicycle.
- Uninsured motorist property damage (UMPD)
- Repairs to your car after a crash with an at-fault driver who has no insurance. A deductible may apply.
Does it cover hit-and-runs?
Often, yes. Many companies pay hit-and-run claims under uninsured motorist coverage. We'll confirm how your policy handles it.
Do I need it in Texas?
Texas doesn't require it; you can reject it in writing. We recommend keeping it. It usually costs little and can protect you from very large bills if an uninsured driver hits you. Even with good health insurance, it can help with deductibles, lost wages and ongoing care.
