Uninsured Motorist Coverage — Texas
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage to pay your claim.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage pays for your injuries and vehicle damage when a driver with no insurance or too little insurance hits you. It acts as backup liability insurance for the other driver, filling the gap when they can't pay what they owe. Texas law requires carriers to offer it at the same limits as your liability coverage, but you can decline it in writing. Once you decline, you can add it back anytime, but it only covers accidents that happen after the add date — it won't help with a crash that already occurred.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers with suspended licenses who are reinstating should strongly consider Uninsured Motorist Coverage once their license is restored. If you're driving a financed vehicle, your lender may require it.
Does my health insurance cover auto accident injuries without subrogation delays? If the answer to either is no, add Uninsured Motorist Coverage.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your liability coverage limits — Uninsured Motorist Coverage mirrors your liability limits, so higher liability limits mean higher uninsured motorist premiums.
- Stacked vs non-stacked — Texas allows stacking uninsured motorist limits across multiple vehicles on the same policy, which doubles the premium but also doubles the payout cap per accident.
