When you hit the road in Texas, you’re up against more than just traffic. There’s a real risk of accidents, and a lot of drivers here don’t have enough—or any—insurance. That’s why getting uninsured and underinsured motorist insurance is crucial.



Why Texas Needs This Coverage

Texas sees a mix of drivers, but shockingly, a big chunk either have no insurance or don’t have enough. Stats say around 14% of drivers in Texas are uninsured, which is a big deal.

The Legal Minimum Isn’t Always Enough

Sure, Texas law says you need insurance, but the minimum isn’t always enough. The basics are $30,000 for each person’s injuries, $60,000 total for injuries per accident, and $25,000 for property damage. But if you get into a bad accident, those minimums might not cover everything, leaving you stuck with bills.

What Uninsured and Underinsured Motorist Coverage Does

This insurance steps in when you’re in a jam with a driver who either has no insurance (uninsured motorist coverage) or doesn’t have enough (underinsured motorist coverage). It helps pay for medical bills, lost wages, and car repairs when the other driver can’t.

Why You Need It

• Financial Safety Net: Protects you when the other driver can't foot the bill for your expenses.
• Peace of Mind: Knowing you've got backup if you're in an accident with an uninsured or underinsured driver.
• Covers Your Family: Your policy can also cover your family members driving your insured car or riding in it during an accident.

Bottom Line

In Texas, where not everyone has the right insurance, protecting yourself from the fallout of accidents is super important. Sure, the law sets some limits, but having uninsured and underinsured motorist insurance goes the extra mile. It’s about making sure you’re covered when things don’t go as planned.

So, take the first step: talk to your insurance person or a legal expert. Make sure you’ve got the right coverage to keep you safe from the risks on the road.