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 a hit-and-run driver who flees.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no liability insurance or can't be identified after a hit-and-run. It covers your medical expenses, lost wages, pain and suffering, and in some states your vehicle damage — filling the gap that the at-fault driver's nonexistent insurance leaves behind. Texas offers two components: Uninsured Motorist Bodily Injury (UMBI) covers medical costs and lost income, while Uninsured Motorist Property Damage (UMPD) covers vehicle repair costs. Because Texas is an at-fault state, you normally rely on the other driver's liability insurance to pay your damages — but when that driver has no coverage, you have no recovery path unless you carry uninsured motorist protection on your own policy.
Who Needs Uninsured Motorist Coverage Insurance?
If you're required to carry an SR-22 and are rebuilding financial stability after a suspension, this coverage protects you from a second financial catastrophe caused by someone else's noncompliance.
If the answer is no, carry UMBI and UMPD at limits matching your liability coverage. If you have comprehensive health insurance and an emergency fund covering your vehicle's value, you can skip UMPD and reduce UMBI limits to cover only the gaps your health plan doesn't pay — deductibles, copays, and lost income.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Coverage limits selected — 25/50 UMBI costs less than 100/300, and low UMPD limits reduce cost further.
- Your county's uninsured driver rate — Harris County and Dallas County have higher uninsured rates than suburban or rural counties, increasing collision risk and premium.
- Whether you stack coverage across multiple vehicles on the same policy — stacking combines limits and raises cost but increases payout capacity.
