Uninsured Motorist Coverage In Texas

What is uninsured motorist coverage?

Uninsured Motorist Coverage For AccidentsUninsured Motorist (UM) coverage is a type of car insurance that protects drivers if they get into an accident with another driver who either doesn’t have any liability insurance at all or doesn’t have enough insurance to cover the damages caused. It is a safeguard to ensure that victims of such accidents aren’t left with financial burdens due to someone else’s negligence.

It’s important to note the difference between uninsured and underinsured motorist coverage:

  • Uninsured Motorist Coverage (UM): This covers you when the at-fault driver has no auto insurance.
  • Underinsured Motorist Coverage (UIM): This kicks in when the at-fault driver does have insurance, but the policy limits are insufficient to cover all the damages.

Table of Contents

Why is Uninsured Motorist Coverage Necessary?

Driving, while an everyday activity, comes with inherent risks. One of those risks is the potential of getting into an accident with an uninsured driver. Consider the following:

Statistics on Uninsured Drivers

In some areas, especially densely populated areas like the Dallas Fort Worth Metroplex, the number of uninsured drivers can be alarmingly high. In fact, according to the Insurance Research Council, roughly 1 in 8 drivers in the United States is uninsured. This statistic translates to a significant risk every time you take to the road.

Potential Financial Repercussions

Without uninsured motorist coverage, victims of accidents caused by uninsured drivers might face substantial out-of-pocket expenses. These could include medical bills, repair costs for damages to the vehicle, and other associated costs. These expenses can quickly add up, potentially resulting in financial strain or even ruin for those without the safety net of uninsured motorist coverage.

Given the unpredictable nature of accidents and the financial implications of being involved in one with an uninsured driver, having uninsured motorist coverage becomes not just a consideration, but a crucial element of a comprehensive auto insurance plan.

What does uninsured motorist cover in Texas?

In Texas, uninsured motorist (UM) coverage is designed to protect you financially if you’re involved in an accident with an at-fault driver who is either uninsured or underinsured. While the specifics of each policy may vary based on the insurance provider and the particulars of the plan chosen, UM typically covers the following types of damages:

Medical Bills

Coverage for medical expenses incurred due to the accident. Medical expenses include emergency room visits, surgeries, physical therapy, medications, and other related medical costs.

Property Damage

This covers the cost of repairing or replacing your vehicle damaged in the accident. Note that there’s usually a deductible to meet before your uninsured motorist coverage pays out for property damage under uninsured motorist coverage.

Lost Wages

If the accident results in injuries that prevent you from working, you can have your uninsured motorist coverage pay for lost income during the recovery period.

Pain And Suffering 

Pain and suffering compensates for physical pain and emotional distress resulting from an accident.

Funeral Expenses

In the unfortunate event of a fatal accident, uninsured motorist coverage can help cover funeral and burial costs.

Limitations and Exclusions

While uninsured motorist coverage offers a wide range of protections, some specific incidents or situations may not be covered under this type of insurance in Texas:


Most UM policies have a deductible for property damage. Having a deductible means that you’ll need to pay out-of-pocket up to a certain amount before your insurance starts covering costs.

Damages Beyond Policy Limits

If your damages exceed the limits of your UM policy, you’ll be responsible for the excess amount.

Intentional Acts

If you’re injured in a collision where the other driver intentionally caused harm, it might not be covered under UM.

Accidents Outside of Texas

Depending on your auto insurance policy, accidents that occur outside of Texas may have different coverage rules or might not be covered at all.

Accidents In Owned Vehicles Not Listed On Your Car Insurance Policy

If you’re in an accident while driving a car you own but didn’t list on your insurance policy, your uninsured motorist coverage might not apply.

Always review your auto insurance policy and consult with your insurance provider or an uninsured motorist lawyer to understand what is and isn’t covered by underinsured motorist coverage in Texas.

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How does uninsured motorist coverage work?

When you’re involved in an accident with an uninsured or underinsured motorist, understanding how to navigate the claims process is crucial. Here’s a step-by-step breakdown:

Safety First

Before anything else, ensure the safety of everyone involved. Move vehicles out of traffic if necessary and call for medic

al assistance if anyone is injured.

Notify The Police 

Always file a police report, even if the other driver lacks insurance. This report serves as an essential piece of evidence when filing your claim.

Gather Information

Document the scene. Get the other driver’s details (like name and contact info), and take photos of the accident site, damages, and any injuries.

Have Your Lawyer Contact Your Insurance Company

It’s important to notify your insurance company about the accident as soon as possible, even if the other driver is at fault and uninsured. Our legal team can set up your uninsured motorist claim so you can focus on recovering from your injuries. 

Fill Out Necessary Forms

Your insurance company will provide claim forms that our personal injury lawyers will help you complete. Be as detailed as possible and return them promptly.

Property Damage Assessment

Your insurance company will likely send an adjuster to evaluate the damage to your vehicle.

Medical Treatment 

If injured, seek medical treatment immediately. It’s crucial not only for your health but also for validating your claim.

Wait for Evaluation

Once all documents are submitted, your insurer will evaluate the claim. This may involve discussions with the adjuster and your lawyer, review of your medical records, and other evaluations.


If your claim is approved, your insurance will offer a settlement amount based on your policy limits and the extent of your damages.


If your insurance company refuses to offer a fair settlement, our lawyers are prepared to hold them accountable by filing a lawsuit.  

Dealing With Your Insurer

Dealing with your insurance company can sometimes be intricate, especially when it involves an uninsured motorist claim.

Determining Fault

Even though the other driver may lack insurance, the fault still needs to be determined. Insurers will assess the accident details, the police report, and any provided evidence to establish which party is responsible.

Role of Evidence And Documentation

Providing comprehensive evidence can expedite your claim process. Helpful evidence includes:


Visual evidence of the accident scene, vehicle damages, and any injuries.

Witness Testimonies 

Witness statements include accounts from bystanders that can provide a clearer picture of how the collision unfolded.

Medical Records

Medical records provide proof of injuries, treatment details, and associated costs.

Police Report

An official account of the accident is essential for validating your claim.

Know Your Rights

Our lawyers will explain the terms of your policy. We want you to make an informed decision.  

Handling a claim, especially one involving an uninsured motorist can be daunting. But with Allbee Law Firm by your side, you can navigate the process confidently.

Uninsured Motorist Coverage FAQs

In Texas, auto insurance is mandatory for all drivers. Texas operates under a system known as “fault,” which means the person deemed responsible for causing a car accident is also responsible for any resulting harm or property damage.

However, it’s a bit different regarding uninsured motorist (UM) coverage. While Texas car insurance providers are required by law to offer uninsured motorist coverage and underinsured motorist coverage (UIM) as part of their auto insurance policies, drivers are not mandated to accept it. 

Instead, if a driver rejects uninsured/underinsured motorist coverage, they must do so in writing. A written rejection ensures that drivers are aware of the availability of such coverage and consciously decide not to avail of it.

While it is highly recommended, given the risks of encountering uninsured drivers on the road, Texas does not legally require drivers to have uninsured motorist coverage.

Consequences for Lack of Uninsured Motorist Coverage

While opting out of UM coverage might save drivers a bit on their insurance premiums, the potential consequences of not having this coverage can be severe:

Financial Strain

If you’re in an accident with an uninsured or underinsured driver and don’t have uninsured motorist coverage, you might be left shouldering medical bills, repair costs, and other associated expenses.

Legal Complications

Without uninsured motorist coverage, you might need to pursue legal action against the at-fault uninsured driver to recoup costs. However, if they were driving without insurance, there’s a chance they might not have the assets to cover your damages, making legal action potentially fruitless.

Increased Premiums

If you’re involved in an accident, don’t have uninsured motorist coverage, and can’t recover costs from the at-fault driver, you might have to file a claim against your own policy (if you have collision coverage). This could result in higher premiums and only cover repairs to your car.  

Potential Liens

Without uninsured motorist coverage, if you can’t afford your medical bills after an accident with an uninsured driver, healthcare providers might place a lien on any future settlements or judgments you might receive.

While Texas doesn’t penalize drivers for not carrying uninsured motorist coverage, the potential financial and legal ramifications of not having it can be considerable. It’s always advisable to weigh the costs of adding uninsured motorist coverage against the risks and potential costs of going without it.

Choosing whether to opt for uninsured motorist (UM) coverage is a personal decision that should be influenced by a careful assessment of your risk exposure. Here are some factors to contemplate:

Driving Frequency

If you drive frequently, especially during peak traffic hours, your chances of encountering an uninsured motorist might be higher.

Areas Frequented

Driving in urban centers or regions with a high percentage of uninsured drivers can increase your risk. 

Vehicle Value

If you drive a newer or more expensive vehicle, potential repair or replacement costs after an accident could be significant. UM coverage can assist in covering these expenses.


If you frequently have passengers, especially family members, their medical expenses in an accident with an uninsured driver could be considerable.

Personal Health 

The resulting medical bills might be substantial if you have existing health conditions that could become exacerbated in a car accident.

Financial Considerations

The decision to take on uninsured motorist coverage also involves weighing the financial aspects:

Potential Out-of-Pocket Expenses

Without uninsured motorist coverage, you could face considerable costs after an accident with an uninsured motorist. These can include medical bills, vehicle repairs, therapy, and even lost wages. Consider if you’re financially prepared to handle such expenses without insurance assistance.

Premium Costs

While adding UM coverage to your insurance policy will increase your premiums, it’s essential to measure this against the potentially vast out-of-pocket expenses you might face without it. The annual premium increase is often a fraction of what one might have to pay after a severe accident.


Be aware of any deductibles associated with your UM coverage. You’ll pay these out-of-pocket amounts before your insurance starts to cover costs. However, even with a deductible, uninsured motorist coverage can significantly reduce your financial burden after an accident.

Peace of Mind

For many, knowing they’re protected against the unpredictability of being hit by uninsured drivers offers invaluable peace of mind, making the cost of premiums well worth it.

While uninsured motorist coverage is optional in many states, including Texas, its benefits can significantly outweigh its costs, depending on individual circumstances. Assess your personal risk and financial situation to make an informed decision.

How Much Uninsured Motorist Coverage Should You Get?Determining the right amount of uninsured motorist (UM) coverage for your situation requires carefully assessing potential post-accident expenses and your financial capabilities. Here’s how to break it down:

Potential Medical Costs

After an accident, medical expenses can escalate quickly. Consider possible costs for emergency room visits, surgeries, therapy sessions, medications, and ongoing treatments. If you have a family or frequently drive with passengers, factor in potential medical expenses for them as well.

Vehicle Repair or Replacement

Depending on the age, type, and value of your vehicle, repair or replacement costs can vary significantly. Consider how much it might cost to get your car back on the road or replace it entirely.

Lost Wages

If injuries from an accident prevent you from working, how long could you go without income? Factor in potential lost wages when deciding on coverage limits.

Other Potential Expenses

Consider costs like therapy for post-traumatic stress, rental vehicles while your car is being repaired, and any other miscellaneous expenses that could arise.

Budgetary Constraints

While it’s essential to be adequately covered, you also need to balance this with what you can afford in terms of premiums. Evaluate your monthly budget to determine how much you can comfortably allocate to insurance.

Common Coverage Amounts

While the right UM coverage amount is individual to each person, here are some typical coverage limits and their benefits:

  1. $30,000/$60,000: This is often the minimum limit offered, covering up to $30,000 for uninsured motorist bodily injury per person and $60,000 total per accident. It’s a starting point but might not be sufficient for severe accidents.
  2. $50,000/$100,000: This offers more substantial protection, covering up to $50,000 per person for bodily injury and $100,000 total per accident.
  3. $100,000/$300,000: This is a more comprehensive coverage, suitable for those with significant assets or those who frequently travel with passengers. It covers up to $100,000 per person for bodily injury and up to $300,000 total per accident.
  4. $250,000/$500,000: This is a higher-end coverage option, offering substantial protection against medical bills, lost wages, and other associated costs. It’s particularly beneficial for those with higher-value vehicles or those wanting peace of mind against more considerable potential expenses.
  5. Property Damage Coverage: Apart from bodily injury, you can also opt for property damage UM coverage. Typical limits are $25,000, $50,000, and $100,000, covering damages to your vehicle and other properties.

Determining the right UM coverage amount requires carefully assessing potential risks, personal assets, and financial capability. Consult with an insurance professional, financial advisor, and a car accident lawyer to help pinpoint the best coverage for your circumstances.

A hit-and-run accident is any situation where an at-fault driver involved in a vehicular collision leaves the scene without stopping to identify themselves, assist, or exchange information as required by law. This unlawful action can occur in various scenarios:

  1. Vehicle-to-Vehicle: One car collides with another while on the road and then flees without stopping.
  2. Vehicle-to-Pedestrian: A pedestrian is struck by a vehicle that drives away without stopping.
  3. Vehicle-to-Property: A car hits a stationary object like a fence, mailbox, or another parked vehicle and leaves the accident scene without leaving any information or trying to notify the property owner.

Hit-and-run accidents can be distressing, leaving victims with both emotional trauma and potentially significant financial burdens.

Underinsured Motorist Coverage Specifics For Hit-And-Runs

Uninsured motorist (UM) coverage plays a crucial role in providing financial protection in the aftermath of a hit-and-run accident:

Bodily Injury 

If you or your passengers are injured in a hit-and-run, UM coverage can help cover medical bills, rehabilitation costs, and even lost wages if the injuries prevent you from working.

Property Damage

Some states, including Texas, offer uninsured motorist property damage (UMPD) coverage. If you have this coverage, it can help repair or replace your vehicle after a hit-and-run. However, there’s usually a deductible involved, and UMPD might not cover non-vehicular property or personal items inside the car.


While UM coverage can be invaluable after a hit-and-run, remember that there might be deductibles, meaning you’ll pay a certain amount out-of-pocket before the insurance kicks in.

Reporting Requirements

To claim benefits after a hit-and-run, you’ll typically need to report the collision to the police and your insurance company promptly. Reporting the accident ensures there’s an official record, which can be vital when processing your claim.

While no one anticipates becoming a hit-and-run victim, having uninsured motorist coverage can provide peace of mind and critical financial support if such an unfortunate event occurs. Always review your policy specifics and consult with your insurance provider or legal expert to ensure you understand your protections.

Choosing whether or not to invest in uninsured motorist (UM) coverage is a crucial decision. However, understanding the benefits of this coverage can help make the decision more straightforward:

  1. Protection against unpredictable accidents: No matter how careful you are on the road, you cannot control the actions of other drivers. If an uninsured or underinsured driver causes an accident, UM coverage ensures you do not shoulder the financial burden alone.
  2. Covering Large Medical Bills: Medical expenses after an accident can quickly escalate. You can mitigate these costs with UM coverage, ensuring you or your passengers receive the necessary care without the looming fear of insurmountable bills.
  3. Vehicle Repairs: If an uninsured driver damages your vehicle, UM can cover repair or replacement costs, allowing you to get back on the road more quickly and without major out-of-pocket expenses.
  4. Lost Wages Compensation: If injuries from an accident prevent you from working, UM can also assist in replacing lost wages, ensuring financial stability.
  5. Peace of Mind: The peace of mind uninsured motorist coverage offers is invaluable. Knowing you’re protected, no matter the insurance status of other drivers, provides comfort and allows for a less stressful driving experience.

Contact Allbee Law Firm For A Free Consultation

Why Choose Allbee Law Firm?

Legal support becomes crucial when you’re dealing with the aftermath of a car accident, especially if the other driver is uninsured or underinsured.  Here are some of the many reasons to consider Allbee Law Firm for your personal injury needs:

  1. Expertise: With a team of skilled lawyers specializing in personal injury and motor vehicle accidents, we bring a wealth of knowledge and experience to your case.
  2. Success Rate: Our track record speaks for itself. We have successfully represented numerous clients in the Dallas Fort Worth metroplex, helping them secure the compensation they deserve.
  3. Personalized Service: Every client receives tailored guidance and representation. We take the time to understand your specific circumstances and design a legal strategy to match.
  4. Client Testimonials: Our satisfied clients vouch for our dedication, professionalism, and results-oriented approach. 
  5. Free Consultation: We believe in transparency and offer a free initial consultation to discuss your case, answer your questions, and outline possible courses of action.
  6. No Win, No Fee: We operate on a contingency basis—meaning you don’t pay unless we win your case.

Your safety and financial well-being are our top priorities. Contact Allbee Law Firm today and take the first step toward getting the compensation and peace of mind you deserve.

We’re available to answer your accident questions involving liability coverage, uninsured or underinsured coverage, and even health insurance. Call (972) 848-4848 to speak with an experienced personal injury lawyer today.



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