What is Underinsured or Uninsured Motorist Insurance?
Uninsured or underinsured motorist (UIM) insurance covers the difference in the negligent driver’s insurance policy limits and the costs and damages associated with your injuries. This is important coverage because the medical expenses such as an emergency room visit or emergency surgery often exceeds the minimum coverage that Texas drivers are required to carry. Purchasing Uninsured or Underinsured Motorist Insurance could make the difference in keeping your finances safeguarded during your recovery. Uninsured Motorist Insurance will financially protect you from costs arising from an accident caused by a driver who has no liability insurance. Although it is unlawful in the State of Texas to drive a car without liability insurance, there are still a large number of drivers without coverage or lapsed coverage.
