Neither uninsured motorist coverage nor underinsured motorist coverage is required by Texas law.  These coverages protect you in accidents with driver's who do not have adequate insurance coverage to pay for your medical bills, lost wages, or other damages. You can obtain uninsured or underinsured coverage to whatever limit you can afford.  Texas only requires drivers to carry 20/40 insurance.  This means that it is legal to drive with insurance coverage that will only pay $20,000 for a single injury and $40,000 for all injuries sustained in an accident.  Because this minimum coverage is so low, it is a good idea to purchase uninsured or underinsured coverage to protect your own finances in the case of an accident.

 


Q: What is uninsured/underinsured auto coverage?  Do I need it?

A:

Neither uninsured motorist coverage nor underinsured motorist coverage is required by Texas law.  These coverages protect you in accidents with driver's who do not have adequate insurance coverage to pay for your medical bills, lost wages, or other damages.

You can obtain uninsured or underinsured coverage to whatever limit you can afford.  Texas only requires drivers to carry 20/40 insurance.  This means that it is legal to drive with insurance coverage that will only pay $20,000 for a single injury and $40,000 for all injuries sustained in an accident.  Because this minimum coverage is so low, it is a good idea to purchase uninsured or underinsured coverage to protect your own finances in the case of an accident.


If your child has been injured, you might not need a lawyer, but before you talk to an insurance adjuster, sign any papers or call a lawyer, read my free 'Texas Child Injury Guide: What You Should Know BEFORE You Call a Lawyer' to learn common mistakes to avoid and how to protect your case. Get your free copy now at www.austininjurylaw.com.

©2010 The Todd Law Firm, PLLC, All Rights Reserved, Reproduced with Permission
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