Uninsured-Underinsured Motorist Coverage

Uninsured and under insured coverage in the state of Texas is also required under your own automobile policy unless you reject that coverage in writing when you sign up for your insurance coverage. It does a couple of things and it’s an excellent form of an insurance. If you were involved in a wreck that was caused by somebody else but that person did not have coverage the uninsured coverage under your own policy would act as a substitute liability policy so you could still recover something for your damages.

Underinsured coverage is similar in that if the person that hit you did not have enough insurance coverage to pay for your actual damages your underinsured coverage will fill in the gap and provide an additional layer of benefits.